Photo: User:Staplegunther · Public domainFEMA expects more hazard damage per building in Eagle Mountain than in 96% of U.S. towns, mostly from wildfire
On FEMA’s National Risk Index, Eagle Mountain gets a D− for hazard risk: higher expected damage per building than 96% of U.S. towns, #117 of 119 in Utah. Most of that expected damage is wildfire (74%), then river and rain flooding (22%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Eagle Mountain faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Wildfire
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Eagle Mountain’s grade
Wildfire is 74% of the building damage FEMA expects in Eagle Mountain, and Eagle Mountain’s rate of wildfire damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 22% (higher than 56% of U.S. census tracts).
D− #117 of 119 in Utah; higher expected damage per building than 96% of U.S. towns (21,298).
Eagle Mountain’s residents live in 7 census tracts; FEMA’s figures are combined by where they live.
The typical Utah town has higher expected damage than 56% of U.S. towns; within the state, Eagle Mountain has more expected damage per building than 98% of Utah towns.
In dollars, FEMA expects about $29.2M a year in losses across Eagle Mountain: $16.5M to buildings, the rest to people and crops.
Does Eagle Mountain flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Eagle Mountain. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Eagle Mountain isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Utah County.The storms Eagle Mountain remembers
None of the 4 disasters declared for Utah County shows FEMA aid or repair money reaching Eagle Mountain itself in FEMA’s records, so these are its biggest flood-claim years.
Utah County has had 4 natural disasters declared by the President since 1953, most often floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 6 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Utah County, 2001–2026.
Eagle Mountain and its neighbors
Eagle Mountain is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Saratoga Springs | Dmore damage than 87% | wildfire | — |
| Eagle Mountain | D−more damage than 96% | wildfire | 0 |
| Fairfield | — | 198 residents; we grade 1,000+ | |
| Cedar Fort | — | 176 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Eagle Mountain faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Eagle Mountain
Is Eagle Mountain at risk for natural disasters?
On FEMA’s National Risk Index, Eagle Mountain has higher expected damage per building than 96% of U.S. towns: D− for hazard risk, #117 of 119 in Utah. Most of the expected damage is wildfire (74%) and river and rain flooding (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Eagle Mountain in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Utah County, 27% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Eagle Mountain?
FEMA’s Community Rating System list shows no discount for Eagle Mountain’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Eagle Mountain at risk from wildfire?
It is the largest share of the building damage FEMA expects here (74%), and Eagle Mountain’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Eagle Mountain.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eagle Mountain’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.