Is Summit County, UT in a flood zone?
FEMA's National Risk Index puts Summit County's flood hazard at the 49.6th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 5 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Summit County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 8.9% of them do — 60 active policies against 672 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Summit County, not just the ones FEMA mandates, 0.8% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Summit County ranks
Summit County sits at rank 1645 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1133 of 3144 by population (1 is biggest). About 43,109 people live in Summit County, Utah, spread over 1,870.674 square miles.
Your street may differ from Summit County's average
Across all of Summit County's 23,307 residential structures, 183 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Summit County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.