Natural hazards · Layton

Layton, UT natural hazards

Most of the natural-hazard damage FEMA expects in Layton comes from earthquakes, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1983. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Layton?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Layton to be higher than in 36% of U.S. communities, mostly from earthquakes.

Earthquakes70%Inland flooding14%Everything else16%

By hazard

What Layton 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 88% of U.S. places

Inland flooding

14% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about once every 3 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Layton flood?

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

6paid claims since 1983

$9Kpaid to owners

0homes flooded more than once

19832026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Davis County.

Disasters that hit Layton

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Layton itself: aid to households, or repair grants to the City of Layton.

Brought FEMA money into LaytonDeclared for Davis County only

2020

Earthquake and Aftershocks

18 households applied for aid $10K aid approved

Davis County has had 9 natural disasters declared since 1953, most often floods and severe storms.

Around Layton

Layton and the towns around it

Very lowLowModerateHighVery high

Clearfieldmostly earthquakesModerate

South Webermostly earthquakesModerate

Laytonmostly earthquakesLow

Kaysvillemostly earthquakesLow

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. Layton covers 13 census tracts, combined by population.

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

FEMA’s expected losses across Layton total about $20.4M a year, counting buildings, people and crops.

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.