Natural hazards · Montezuma Creek

Montezuma Creek, UT natural hazards

Most of the natural-hazard damage FEMA expects in Montezuma Creek 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 Montezuma Creek?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montezuma Creek to be higher than in 3% of U.S. communities, mostly from avalanches and inland flooding.

Avalanches58%Inland flooding17%Heat waves14%Lightning6%Everything else5%

By hazard

What Montezuma Creek faces

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

Avalanches

58% of expected damage

Well below average · higher than 0% of U.S. places

Recorded about once every 15 years in the area

Inland flooding

17% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about 2 times a year in the area

Heat waves

14% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once a year in the area

Lightning

6% of expected damage

Above average · higher than 61% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong wind

Not a risk here

Coastal floodingHurricanesDroughtTsunamisVolcanic 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 Montezuma Creek flood?

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

of all homes
are insured

No community discount. Montezuma Creek 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 Montezuma Creek

Federal disasters declared here

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

Brought FEMA money into Montezuma CreekDeclared 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. Montezuma Creek 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 Montezuma Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to Montezuma Creek. 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.