Photo: UtahStizzle · Public domainOn FEMA’s figures, Logan faces about as much hazard damage per building as the typical U.S. town, mostly from earthquakes
On FEMA’s National Risk Index, Logan gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns, #55 of 119 in Utah. Most of that expected damage is earthquakes (66%), then river and rain flooding (31%). Flood insurance has paid 9 claims here since 1982.
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 Logan 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 Logan’s grade
Earthquakes are 66% of the building damage FEMA expects in Logan, and Logan’s rate of earthquakes damage is higher than 88% of U.S. census tracts. Next is river and rain flooding at 31% (lower than 82% of U.S. census tracts).
B− #55 of 119 in Utah; higher expected damage per building than 52% of U.S. towns (21,298).
Logan’s residents live in 17 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, Logan has less expected damage per building than 54% of Utah towns.
In dollars, FEMA expects about $24.5M a year in losses across Logan: $10.7M to buildings, the rest to people and crops.
Does Logan flood? Rarely: 9 flood claims since 1982
Every paid claim on a federal flood insurance policy in Logan, from FEMA’s records: 0.5 per 1,000 homes, fewer than 90% of the 13,809 U.S. towns with a flood insurance record.
Logan is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Cache County.The storms Logan remembers
None of the 4 disasters declared for Cache County shows FEMA aid or repair money reaching Logan itself in FEMA’s records, so these are its biggest flood-claim years.
- 20053 flood claims paidNo declaration for the county that year
- 20112 flood claims paidThe year of Flooding, declared for Cache County
- 19821 flood claims paidNo declaration for the county that year
Cache County has had 4 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.
Old photos of Logan after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Logan archive →Logan and its neighbors
Logan is 6th of the 7 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 |
|---|---|---|---|
| North Logan | B+less damage than 73% | earthquakes | 1 |
| Nibley | Bless damage than 64% | river and rain flooding | — |
| Millville | Bless damage than 62% | river and rain flooding | — |
| Benson | Bless damage than 56% | earthquakes | — |
| Providence | B−less damage than 51% | river and rain flooding | 8 |
| Logan | B−more damage than 52% | earthquakes | 9 |
| River Heights | C+more damage than 57% | river and rain flooding | — |
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 Logan 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.
- Logan residents get 15% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Logan
Is Logan at risk for natural disasters?
On FEMA’s National Risk Index, Logan has higher expected damage per building than 52% of U.S. towns: B− for hazard risk, #55 of 119 in Utah. Most of the expected damage is earthquakes (66%) and river and rain flooding (31%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Logan flood?
Flood insurance has paid 9 claims in Logan since 1982, $59K in all, or 0.5 per 1,000 homes, fewer than 90% of U.S. towns with a flood insurance record. 2 properties have flooded more than once.
Is Logan 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 Cache County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Logan?
Logan is in FEMA’s Community Rating System (class 7), which takes 15% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Logan at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (66%), and Logan’s rate for it is higher than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Logan.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Logan’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.