Abram Hatch House · Photo: Jack Boucher · Public domainFor wildfire, Heber’s building-damage rate is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Heber gets a C+ for hazard risk: higher expected damage per building than 60% of U.S. towns, #67 of 119 in Utah. Most of that expected damage is river and rain flooding (67%), then wildfire (21%). 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 Heber faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Wildfire
Earthquakes
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 Heber’s grade
River and rain flooding is 67% of the building damage FEMA expects in Heber, and Heber’s rate of river and rain flooding damage is higher than 63% of U.S. census tracts. Wildfire adds 21%, at a rate in the top 3% of U.S. census tracts.
C+ #67 of 119 in Utah; higher expected damage per building than 60% of U.S. towns (21,298).
Heber’s residents live in 8 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, Heber has more expected damage per building than 56% of Utah towns.
In dollars, FEMA expects about $4.3M a year in losses across Heber: $3.2M to buildings, the rest to people and crops.
Does Heber flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Heber. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Heber isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wasatch County.The storms Heber remembers
None of the 7 disasters declared for Wasatch County shows FEMA aid or repair money reaching Heber itself in FEMA’s records, so these are its biggest flood-claim years.
Wasatch County has had 7 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Wasatch County, 2018–2018.
Heber and its neighbors
Heber has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Heber | C+more damage than 60% | river and rain flooding | 0 |
| Daniel | — | not graded yet | |
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 Heber faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Heber
Is Heber at risk for natural disasters?
On FEMA’s National Risk Index, Heber has higher expected damage per building than 60% of U.S. towns: C+ for hazard risk, #67 of 119 in Utah. Most of the expected damage is river and rain flooding (67%) and wildfire (21%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Heber 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 Wasatch County, 41% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Heber?
FEMA’s Community Rating System list shows no discount for Heber’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Heber at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Heber’s rate for it is higher than 63% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Heber.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Heber’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.