Natural hazards · Bluff

Bluff, UT natural hazards

Most of the natural-hazard damage FEMA expects in Bluff comes from avalanches, and overall the risk is very low for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Bluff?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bluff to be higher than in 0% of U.S. communities, mostly from avalanches and inland flooding.

Avalanches42%Inland flooding19%Heat waves13%Landslides10%Lightning7%Everything else9%

By hazard

What Bluff faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Avalanches

42% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 15 years in the area

Inland flooding

19% of expected damage

Well below average · higher than 2% of U.S. places

Recorded about 2 times a year in the area

Heat waves

13% of expected damage

Below average · higher than 47% of U.S. places

Recorded about once a year in the area

Landslides

10% of expected damage

Well above average · higher than 94% of U.S. places

Lightning

7% of expected damage

Above average · higher than 65% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherWildfireEarthquakesStrong windDrought

Not a risk here

Coastal floodingHurricanesCold wavesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Bluff flood?

FEMA's records show no paid flood insurance claims in Bluff.

of all homes
are insured

No community discount. Bluff isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: San Juan County.

Disasters that hit Bluff

Federal disasters declared here

None of the disasters declared for San Juan County shows FEMA aid or repair money reaching Bluff itself in FEMA’s records.

Brought FEMA money into BluffDeclared for San Juan County only

San Juan County has had 4 natural disasters declared since 1953, most often fires and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Bluff is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Bluff’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Bluff. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.