Utah Home-Insurance Distress by County

Home-insurance distress across Utah is below the national norm: 29 counties average 22/100, 37th of 52 states.

1 of Utah's 29 counties score 70 or higher (severe).

Utah's reading rests on a FEMA hazard average of 25/100 and NFIP flood-claim stress of 22/100.

Over three years Utah counties filed 50 NFIP flood claims, $218,818 paid.

Highest in Utah: Beaver County 71/100 (#605 US), Washington County 64/100 (#812 US), Summit County 61/100 (#864 US), Utah County 58/100 (#932 US), Piute County 44/100 (#1220 US).

Utah counties by insurance band: 14 low (Utah), 9 zero, 6 medium; Utah NFIP claims, three years: 50; Utah payouts $218,818.

Utah counties with the most NFIP claims: Salt Lake 13 ($21,130); Weber 10 ($50,187); Washington 6 ($72,736) in Utah; Davis 4 ($5,406); Summit 3 ($31,274).

Utah county average rose: 11.6 in March 2026; Utah reads 20.2 in October 2026; Utah by month: March 11.6, April 11.6, May 11.6 (Utah), June 11.6, July 18.4, August 18.7 (Utah), September 20.9, October 20.2.

Highest Utah ZIPs, insurance distress: 34224 81 (climate 94), 34235 47 (climate 98) in Utah, 34236 47 (climate 98), 34293 47 (climate 98) in Utah, 34287 47 (climate 98), 34229 47 (climate 98) in Utah.

Reading the Utah bands: 0 of 29 Utah counties sit in a high or worse insurance band; Utah filed 50 NFIP claims in three years, $218,818 paid to Utah policyholders; a Utah county's band moves when FEMA hazard revisions, new Utah NFIP settlements or carrier filings change its monthly score.