Photo: Ntsimp · Public domainOn FEMA’s figures, Kaysville faces less hazard damage per building than 67% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, Kaysville gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns, #24 of 119 in Utah. Most of that expected damage is earthquakes (60%), then river and rain flooding (34%). Flood insurance has paid 7 claims here since 2005.
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 Kaysville 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 Kaysville’s grade
Earthquakes are 60% of the building damage FEMA expects in Kaysville, and Kaysville’s rate of earthquakes damage is higher than 87% of U.S. census tracts. Next is river and rain flooding at 34% (lower than 94% of U.S. census tracts).
B+ #24 of 119 in Utah; lower expected damage per building than 67% of U.S. towns (21,298).
Kaysville’s residents live in 9 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, Kaysville has less expected damage per building than 81% of Utah towns.
In dollars, FEMA expects about $9.1M a year in losses across Kaysville: $4.8M to buildings, the rest to people and crops.
Does Kaysville flood? Rarely: 7 flood claims since 2005
Every paid claim on a federal flood insurance policy in Kaysville, from FEMA’s records: 0.8 per 1,000 homes, fewer than 84% of the 13,809 U.S. towns with a flood insurance record.
Kaysville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Davis County.1 federal disaster brought FEMA money to Kaysville
Disasters that paid out in Kaysville itself (aid to households or repair grants to the City of Kaysville), newest first, with that year’s flood claims.
- 2020Earthquake and Aftershocks5 households applied for aid$7K aid approved
Davis County has had 6 natural disasters declared by the President since 1953, most often severe storms, then floods. 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 Davis County, 2017–2019.
Old photos of Kaysville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Kaysville archive →Kaysville and its neighbors
Kaysville is 2nd of the 4 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 |
|---|---|---|---|
| Farmington | B+less damage than 67% | earthquakes | 7 |
| Kaysville | B+less damage than 67% | earthquakes | 7 |
| Fruit Heights | Bless damage than 64% | earthquakes | — |
| Layton | Bless damage than 63% | earthquakes | 6 |
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 Kaysville 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 Kaysville
Is Kaysville at risk for natural disasters?
On FEMA’s National Risk Index, Kaysville has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk, #24 of 119 in Utah. Most of the expected damage is earthquakes (60%) and river and rain flooding (34%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Kaysville flood?
Flood insurance has paid 7 claims in Kaysville since 2005, $32K in all, or 0.8 per 1,000 homes, fewer than 84% of U.S. towns with a flood insurance record.
Is Kaysville 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 Davis County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Kaysville?
FEMA’s Community Rating System list shows no discount for Kaysville’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Kaysville?
By FEMA money that reached Kaysville, Earthquake and Aftershocks (2020): 5 households applied for aid, $7K approved.
Is Kaysville at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (60%), and Kaysville’s rate for it is higher than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kaysville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kaysville’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.