Photo: Stephen125 · CC BY-SA 3.0Less hazard damage per building is expected in Nibley than in 64% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Nibley gets a B for hazard risk: lower expected damage per building than 64% of U.S. towns, #28 of 119 in Utah. Most of that expected damage is river and rain flooding (48%), then earthquakes (48%). 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 Nibley 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
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 Nibley’s grade
River and rain flooding is 48% of the building damage FEMA expects in Nibley, and Nibley’s rate of river and rain flooding damage is lower than 80% of U.S. census tracts. Next is earthquakes at 48% (higher than 85% of U.S. census tracts).
B #28 of 119 in Utah; lower expected damage per building than 64% of U.S. towns (21,298).
Nibley’s residents live in 3 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, Nibley has less expected damage per building than 77% of Utah towns.
In dollars, FEMA expects about $1.6M a year in losses across Nibley: $949K to buildings, the rest to people and crops.
Does Nibley flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Nibley. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Nibley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cache County.The storms Nibley remembers
None of the 4 disasters declared for Cache County shows FEMA aid or repair money reaching Nibley itself in FEMA’s records, so these are its biggest flood-claim years.
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.
Nibley and its neighbors
Nibley is 2nd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
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 Nibley 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.
- 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 Nibley
Is Nibley at risk for natural disasters?
On FEMA’s National Risk Index, Nibley has lower expected damage per building than 64% of U.S. towns: B for hazard risk, #28 of 119 in Utah. Most of the expected damage is river and rain flooding (48%) and earthquakes (48%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Nibley 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 Nibley?
FEMA’s Community Rating System list shows no discount for Nibley’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Nibley at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (48%), and Nibley’s rate for it is lower than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Nibley.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Nibley’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.