Photo: An Errant Knight · CC BY-SA 4.0On FEMA’s figures, Summit Park faces more hazard damage per building than 84% of U.S. towns, mostly from wildfire
On FEMA’s National Risk Index, Summit Park gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns, #104 of 119 in Utah. Most of that expected damage is wildfire (54%), then river and rain flooding (43%). Flood insurance has paid 2 claims here since 2023.
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 Summit Park faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Wildfire
River and rain flooding
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 Summit Park’s grade
Wildfire is 54% of the building damage FEMA expects in Summit Park, and Summit Park’s rate of wildfire damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 43% (higher than 57% of U.S. census tracts).
C− #104 of 119 in Utah; higher expected damage per building than 84% of U.S. towns (21,298).
Summit Park’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, Summit Park has more expected damage per building than 87% of Utah towns.
In dollars, FEMA expects about $25.8M a year in losses across Summit Park: $4.1M to buildings, the rest to people and crops.
Does Summit Park flood? Rarely: 2 flood claims since 2023
Every paid claim on a federal flood insurance policy in Summit Park, from FEMA’s records: 0.6 per 1,000 homes, fewer than 87% of the 13,809 U.S. towns with a flood insurance record.
Summit Park isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Summit County.The storms Summit Park remembers
None of the 4 disasters declared for Summit County shows FEMA aid or repair money reaching Summit Park itself in FEMA’s records, so these are its biggest flood-claim years.
- 20232 flood claims paidNo declaration for the county that year
Summit 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 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Summit County, 2013–2026.
Old photos of Summit Park after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Summit Park archive →Summit Park and its neighbors
Summit Park is 2nd of the 3 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 |
|---|---|---|---|
| Snyderville | C−more damage than 75% | wildfire | 1 |
| Summit Park | C−more damage than 84% | wildfire | 2 |
| Silver Summit | Dmore damage than 88% | wildfire | — |
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 Summit Park faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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 Summit Park
Is Summit Park at risk for natural disasters?
On FEMA’s National Risk Index, Summit Park has higher expected damage per building than 84% of U.S. towns: C− for hazard risk, #104 of 119 in Utah. Most of the expected damage is wildfire (54%) and river and rain flooding (43%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Summit Park flood?
Flood insurance has paid 2 claims in Summit Park since 2023, $4K in all, or 0.6 per 1,000 homes, fewer than 87% of U.S. towns with a flood insurance record.
Is Summit Park 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 Summit County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Summit Park?
FEMA’s Community Rating System list shows no discount for Summit Park’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Summit Park at risk from wildfire?
It is the largest share of the building damage FEMA expects here (54%), and Summit Park’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Summit Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Summit Park’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.