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Naples Utah city officePhoto: Ntsimp · Public domain
A+Hazard risk
Natural hazards in Naples · FEMA

On FEMA’s figures, few U.S. towns expect less hazard damage per building than Naples, mostly from river and rain flooding

On FEMA’s National Risk Index, Naples gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (74%), then earthquakes (12%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 74%Earthquakes 12%Wildfire 11%

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

among the lowestof U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A+
in Utah · among the lowest of U.S. towns
Main hazard
River and rain flooding
74% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 4 declared for Uintah County
By hazard

What Naples 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

74%of expected building damage
Well below average · lower than 92% of U.S. census tracts
Recorded about once every 2 years in the area

Earthquakes

12%of expected building damage
Above average · higher than 65% of U.S. census tracts

Wildfire

11%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Smaller shares here
 Tornadoes Hail Winter storms Strong wind Ice storms Landslides Lightning Cold waves Heat waves Avalanches top 1%
FEMA models no building damage here
Coastal floodingHurricanesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts lightning at 12% of Naples’ expected losses. Lightning does little damage to buildings (0.1%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Naples’ grade

River and rain flooding is 74% of the building damage FEMA expects in Naples, and Naples’ rate of river and rain flooding damage is lower than 92% of U.S. census tracts. Wildfire adds 11%, at a rate in the top 8% of U.S. census tracts.

Where Naples sits
Naples
Least damageMiddleMost damage

A+ among the lowest expected damage per building of U.S. towns (21,298).

Naples’ residents live in 3 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding74%Earthquakes12%Wildfire11%Everything else3%

In dollars, FEMA expects about $225K a year in losses across Naples: $142K to buildings, the rest to people and crops.

A small-area figure. Naples covers 3 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Naples flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Naples. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Naples isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Uintah County.
Disasters

The storms Naples remembers

None of the 4 disasters declared for Uintah County shows FEMA aid or repair money reaching Naples itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in NaplesUintah County only

Uintah 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.

Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Uintah County, 2007–2007.

Be ready

Get ready for what Naples faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Wildfire
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Naples

Is Naples at risk for natural disasters?

On FEMA’s National Risk Index, Naples has among the lowest expected damage per building of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (74%) and earthquakes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Naples 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 Uintah County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Naples?

FEMA’s Community Rating System list shows no discount for Naples’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Naples at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (74%), and Naples’ rate for it is lower than 92% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Naples.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Naples’ 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.