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AHazard risk
Natural hazards in Lyman · FEMA

On FEMA’s figures, Lyman faces less hazard damage per building than 85% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Lyman gets an A for hazard risk: lower expected damage per building than 85% of U.S. towns. Most of that expected damage is river and rain flooding (74%), then earthquakes (18%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 74%Earthquakes 18%Wildfire 6%

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

less than 85%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A
in Wyoming · lower than 85% 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 2 declared for Uinta County
By hazard

What Lyman 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
Below average · lower than 71% of U.S. census tracts

Earthquakes

18%of expected building damage
Above average · higher than 78% of U.S. census tracts

Wildfire

6%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Smaller shares here
 Winter storms Strong wind Tornadoes Hail Ice storms Lightning Cold waves Landslides
FEMA models no building damage here
Coastal floodingHurricanesHeat wavesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts lightning at 10% of Lyman’s 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 Lyman’s grade

River and rain flooding is 74% of the building damage FEMA expects in Lyman, and Lyman’s rate of river and rain flooding damage is lower than 71% of U.S. census tracts. Wildfire adds 6%, at a rate in the top 8% of U.S. census tracts.

Where Lyman sits
Lyman
Least damageMiddleMost damage

A lower expected damage per building than 85% of U.S. towns (21,298).

All of Lyman’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding74%Earthquakes18%Wildfire6%Everything else2%

In dollars, FEMA expects about $593K a year in losses across Lyman: $452K to buildings, the rest to people and crops.

Shared tract.All of Lyman’s 2,135 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Lyman flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Lyman. 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

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

Insurance rates: Uinta County.
Disasters

The storms Lyman remembers

None of the 2 disasters declared for Uinta County shows FEMA aid or repair money reaching Lyman itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in LymanUinta County only

Uinta County has had 2 natural disasters declared by the President since 1953, most often severe storms.

Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Uinta County, 2016–2016.

Be ready

Get ready for what Lyman 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 Lyman

Is Lyman at risk for natural disasters?

On FEMA’s National Risk Index, Lyman has lower expected damage per building than 85% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (74%) and earthquakes (18%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Lyman 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 Uinta County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.

How much is flood insurance in Lyman?

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

Is Lyman at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (74%), and Lyman’s rate for it is lower than 71% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Lyman.

Town Square →
Start the conversation

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