Morten Rasmussen House · Photo: Ntsimp · CC0Mount Pleasant’s building-damage rate from wildfire is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Mount Pleasant gets a B for hazard risk: lower expected damage per building than 58% of U.S. towns, #39 of 119 in Utah. Most of that expected damage is river and rain flooding (51%), then wildfire (30%). Flood insurance has paid 1 claim here since 1980.
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 Mount Pleasant 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 Mount Pleasant’s grade
River and rain flooding is 51% of the building damage FEMA expects in Mount Pleasant, and Mount Pleasant’s rate of river and rain flooding damage is lower than 73% of U.S. census tracts. Wildfire adds 30%, at a rate in the top 3% of U.S. census tracts.
B #39 of 119 in Utah; lower expected damage per building than 58% of U.S. towns (21,298).
Mount Pleasant’s residents live in 2 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, Mount Pleasant has less expected damage per building than 68% of Utah towns.
In dollars, FEMA expects about $4.5M a year in losses across Mount Pleasant: $765K to buildings, the rest to people and crops.
Does Mount Pleasant flood? Rarely: 1 flood claim since 1980
Every paid claim on a federal flood insurance policy in Mount Pleasant, from FEMA’s records: 0.7 per 1,000 homes, fewer than 84% of the 13,809 U.S. towns with a flood insurance record.
Mount Pleasant isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sanpete County.The storms Mount Pleasant remembers
None of the 5 disasters declared for Sanpete County shows FEMA aid or repair money reaching Mount Pleasant itself in FEMA’s records, so these are its biggest flood-claim years.
- 19801 flood claims paidNo declaration for the county that year
Sanpete 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 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Sanpete County, 2012–2018.
Old photos of Mount Pleasant after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mount Pleasant archive →Get ready for what Mount Pleasant 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 Mount Pleasant
Is Mount Pleasant at risk for natural disasters?
On FEMA’s National Risk Index, Mount Pleasant has lower expected damage per building than 58% of U.S. towns: B for hazard risk, #39 of 119 in Utah. Most of the expected damage is river and rain flooding (51%) and wildfire (30%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Mount Pleasant flood?
Flood insurance has paid 1 claim in Mount Pleasant since 1980, $515 in all, or 0.7 per 1,000 homes, fewer than 84% of U.S. towns with a flood insurance record.
Is Mount Pleasant 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 Sanpete County, 21% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Mount Pleasant?
FEMA’s Community Rating System list shows no discount for Mount Pleasant’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Mount Pleasant at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (51%), and Mount Pleasant’s rate for it is lower than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mount Pleasant.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mount Pleasant’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.