On FEMA’s figures, Harrisville faces less hazard damage per building than 68% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, Harrisville gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns, #22 of 119 in Utah. Most of that expected damage is earthquakes (65%), then river and rain flooding (32%). Flood insurance has paid 1 claim here since 2025.
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 Harrisville faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Earthquakes
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 Harrisville’s grade
Earthquakes are 65% of the building damage FEMA expects in Harrisville, and Harrisville’s rate of earthquakes damage is higher than 87% of U.S. census tracts. Next is river and rain flooding at 32% (lower than 95% of U.S. census tracts).
B+ #22 of 119 in Utah; lower expected damage per building than 68% of U.S. towns (21,298).
Harrisville’s residents live in 3 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, Harrisville has less expected damage per building than 82% of Utah towns.
In dollars, FEMA expects about $1.5M a year in losses across Harrisville: $1.1M to buildings, the rest to people and crops.
Does Harrisville flood? Rarely: 1 flood claim since 2025
Every paid claim on a federal flood insurance policy in Harrisville, from FEMA’s records: 0.4 per 1,000 homes, fewer than 92% of the 13,809 U.S. towns with a flood insurance record.
Harrisville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Weber County.The storms Harrisville remembers
None of the 6 disasters declared for Weber County shows FEMA aid or repair money reaching Harrisville itself in FEMA’s records, so these are its biggest flood-claim years.
- 20251 flood claims paidNo declaration for the county that year
Weber County has had 6 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Weber County, 2003–2017.
Old photos of Harrisville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Harrisville archive →Harrisville and its neighbors
Harrisville is 2nd of the 5 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 |
|---|---|---|---|
| Pleasant View | A−less damage than 76% | earthquakes | 4 |
| Harrisville | B+less damage than 68% | earthquakes | 1 |
| North Ogden | Bless damage than 64% | earthquakes | 5 |
| Farr West | Bless damage than 63% | earthquakes | — |
| Ogden | Cmore damage than 68% | earthquakes | 13 |
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 Harrisville faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Harrisville
Is Harrisville at risk for natural disasters?
On FEMA’s National Risk Index, Harrisville has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk, #22 of 119 in Utah. Most of the expected damage is earthquakes (65%) and river and rain flooding (32%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Harrisville flood?
Flood insurance has paid 1 claim in Harrisville since 2025, $9K in all, or 0.4 per 1,000 homes, fewer than 92% of U.S. towns with a flood insurance record.
Is Harrisville 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 Weber County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Harrisville?
FEMA’s Community Rating System list shows no discount for Harrisville’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Harrisville at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (65%), and Harrisville’s rate for it is higher than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Harrisville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Harrisville’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.