Less hazard damage per building is expected in Roosevelt than in 97% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Roosevelt gets an A+ for hazard risk: lower expected damage per building than 97% of U.S. towns, #3 of 119 in Utah. Most of that expected damage is river and rain flooding (78%), then earthquakes (18%). 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 Roosevelt 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 Roosevelt’s grade
River and rain flooding is 78% of the building damage FEMA expects in Roosevelt, and Roosevelt’s rate of river and rain flooding damage is lower than 86% of U.S. census tracts. Next is earthquakes at 18% (higher than 74% of U.S. census tracts).
A+ #3 of 119 in Utah; lower expected damage per building than 97% of U.S. towns (21,298).
Roosevelt’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, Roosevelt has less expected damage per building than 98% of Utah towns.
In dollars, FEMA expects about $1.1M a year in losses across Roosevelt: $641K to buildings, the rest to people and crops.
Does Roosevelt flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Roosevelt. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Roosevelt isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Duchesne County.The storms Roosevelt remembers
None of the 3 disasters declared for Duchesne County shows FEMA aid or repair money reaching Roosevelt itself in FEMA’s records, so these are its biggest flood-claim years.
Duchesne County has had 3 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 Duchesne County, 2007–2018.
Get ready for what Roosevelt 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 Roosevelt
Is Roosevelt at risk for natural disasters?
On FEMA’s National Risk Index, Roosevelt has lower expected damage per building than 97% of U.S. towns: A+ for hazard risk, #3 of 119 in Utah. Most of the expected damage is river and rain flooding (78%) and earthquakes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Roosevelt 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 Duchesne County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Roosevelt?
FEMA’s Community Rating System list shows no discount for Roosevelt’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Roosevelt at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Roosevelt’s rate for it is lower than 86% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Roosevelt.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Roosevelt’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.