Natural hazards · Spanish Fork

Spanish Fork, UT natural hazards

Most of the natural-hazard damage FEMA expects in Spanish Fork comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1984.

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

Expected damage

How exposed is Spanish Fork?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spanish Fork to be higher than in 74% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes66%Inland flooding26%Everything else8%

By hazard

What Spanish Fork faces

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

Earthquakes

66% of expected damage

Well above average · higher than 91% of U.S. places

Inland flooding

26% of expected damage

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

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamis

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 Spanish Fork flood?

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

1paid claims since 1984

$111paid to owners

0homes flooded more than once

19842026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Utah County.

Disasters that hit Spanish Fork

Federal disasters declared here

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

Brought FEMA money into Spanish ForkDeclared for Utah County only

Utah County has had 11 natural disasters declared since 1953, most often fires and floods.

Around Spanish Fork

Spanish Fork and the towns around it

Very lowLowModerateHighVery high

Spanish Forkmostly earthquakesHigh

Palmyramostly earthquakesHigh

Salemmostly earthquakesHigh

Springvillemostly earthquakesHigh

Mapletonmostly avalanchesModerate

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. Spanish Fork covers 10 census tracts, combined by population.

Money that reached townFlood claims are matched to Spanish Fork’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Spanish Fork. 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 Spanish Fork total about $16.4M 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.