FEMA expects less hazard damage per building in North Ogden than in 64% of U.S. towns, led by earthquakes
On FEMA’s National Risk Index, North Ogden gets a B for hazard risk: lower expected damage per building than 64% of U.S. towns, #27 of 119 in Utah. Most of that expected damage is earthquakes (45%), then river and rain flooding (42%). Flood insurance has paid 5 claims here since 1981.
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 North Ogden 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
Wildfire
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 North Ogden’s grade
Earthquakes are 45% of the building damage FEMA expects in North Ogden, and North Ogden’s rate of earthquakes damage is higher than 85% of U.S. census tracts. Wildfire adds 10%, at a rate in the top 7% of U.S. census tracts.
B #27 of 119 in Utah; lower expected damage per building than 64% of U.S. towns (21,298).
North Ogden’s residents live in 9 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, North Ogden has less expected damage per building than 78% of Utah towns.
In dollars, FEMA expects about $7.7M a year in losses across North Ogden: $3.1M to buildings, the rest to people and crops.
Does North Ogden flood? Rarely: 5 flood claims since 1981
Every paid claim on a federal flood insurance policy in North Ogden, 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.
North Ogden isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Weber County.The storms North Ogden remembers
None of the 6 disasters declared for Weber County shows FEMA aid or repair money reaching North Ogden itself in FEMA’s records, so these are its biggest flood-claim years.
- 19812 flood claims paidNo declaration for the county that year
- 19911 flood claims paidNo declaration for the county that year
- 20091 flood claims paidNo declaration for the county that year
Weber County has had 6 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 Weber County, 2003–2017.
Old photos of North Ogden after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the North Ogden archive →North Ogden and its neighbors
North Ogden is 3rd of the 4 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 |
|---|---|---|---|
| Pleasant View | A−less damage than 76% | earthquakes | 4 |
| Harrisville | B+less damage than 68% | earthquakes | 1 |
| North Ogden | Bless damage than 64% | earthquakes | 5 |
| Ogden | Cmore damage than 68% | earthquakes | 13 |
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 North Ogden 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.
- 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.
- 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 North Ogden
Is North Ogden at risk for natural disasters?
On FEMA’s National Risk Index, North Ogden has lower expected damage per building than 64% of U.S. towns: B for hazard risk, #27 of 119 in Utah. Most of the expected damage is earthquakes (45%) and river and rain flooding (42%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does North Ogden flood?
Flood insurance has paid 5 claims in North Ogden since 1981, $9K in all, or 0.7 per 1,000 homes, fewer than 84% of U.S. towns with a flood insurance record.
Is North Ogden 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 Weber County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in North Ogden?
FEMA’s Community Rating System list shows no discount for North Ogden’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is North Ogden at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (45%), and North Ogden’s rate for it is higher than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in North Ogden.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North Ogden’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.