Cache County, UT: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Cache County scores at the 45.8th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 2 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Cache County's flood-insurance compliance gap
5.8% of the homes FEMA requires to carry flood insurance in Cache County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 43 policies against 740 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% of all residential structures in Cache County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Cache County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Cache County ranks 1764 — 1 being the highest hazard nationally — and 470 by population among all 3144 counties covered here, where 1 is the largest. Cache County, Utah is home to about 145,487 people across 1,164.687 square miles of land.
Checking a specific address in Cache County
FEMA counts 34,515 residential structures in Cache County overall, 83 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Cache County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.