Natural hazards · Ephraim

Ephraim, UT natural hazards

Most of the natural-hazard damage FEMA expects in Ephraim comes from earthquakes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 1984.

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

Expected damage

How exposed is Ephraim?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ephraim to be higher than in 54% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes70%Inland flooding19%Everything else11%

By hazard

What Ephraim faces

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

Earthquakes

70% of expected damage

Well above average · higher than 90% of U.S. places

Inland flooding

19% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesCold wavesAvalanchesTsunamis

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 Ephraim flood?

Every paid claim on a federal flood insurance policy in Ephraim, from FEMA’s records.

2paid claims since 1984

$734paid to owners

0homes flooded more than once

19842026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sanpete County.

Disasters that hit Ephraim

Federal disasters declared here

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

Brought FEMA money into EphraimDeclared for Sanpete County only

Sanpete County has had 8 natural disasters declared since 1953, most often floods and fires.

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. Ephraim 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 Ephraim’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ephraim. 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.