Photo: Rlittle09 · CC BY-SA 4.0FEMA expects more hazard damage per building in Lake Point than in 92% of U.S. towns, mostly from wildfire
On FEMA’s National Risk Index, Lake Point gets a D for hazard risk: higher expected damage per building than 92% of U.S. towns, #113 of 119 in Utah. Most of that expected damage is wildfire (81%), then river and rain flooding (14%). 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 Lake Point 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 Lake Point’s grade
Wildfire is 81% of the building damage FEMA expects in Lake Point, and Lake Point’s rate of wildfire damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 14% (lower than 91% of U.S. census tracts).
D #113 of 119 in Utah; higher expected damage per building than 92% of U.S. towns (21,298).
All of Lake Point’s residents live in one census tract; the figures are that tract’s.
The typical Utah town has higher expected damage than 56% of U.S. towns; within the state, Lake Point has more expected damage per building than 95% of Utah towns.
In dollars, FEMA expects about $1.0M a year in losses across Lake Point: $832K to buildings, the rest to people and crops.
Does Lake Point flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lake Point. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lake Point isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Tooele County.The storms Lake Point remembers
None of the 5 disasters declared for Tooele County shows FEMA aid or repair money reaching Lake Point itself in FEMA’s records, so these are its biggest flood-claim years.
Tooele County has had 5 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 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Tooele County, 2014–2026.
Get ready for what Lake Point 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 Lake Point
Is Lake Point at risk for natural disasters?
On FEMA’s National Risk Index, Lake Point has higher expected damage per building than 92% of U.S. towns: D for hazard risk, #113 of 119 in Utah. Most of the expected damage is wildfire (81%) and river and rain flooding (14%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Lake Point 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 Tooele County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Lake Point?
FEMA’s Community Rating System list shows no discount for Lake Point’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Lake Point at risk from wildfire?
It is the largest share of the building damage FEMA expects here (81%), and Lake Point’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lake Point.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lake Point’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.