Tooele County, UT flood risk explained
Flood hazard in Tooele County sits at the 18.3th national percentile, among the lowest flood hazard in the country; 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. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
13.6% of the homes FEMA requires to carry flood insurance in Tooele County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 22 policies against 162 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 Tooele County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Tooele County ranks
Among the 3144 US counties FEMA scores for flood hazard, Tooele County ranks 2607 — 1 being the highest hazard nationally — and 694 by population among all 3144 counties covered here, where 1 is the largest. Tooele County, Utah covers 7,040.271 square miles and counts roughly 84,488 residents.
Your street may differ from Tooele County's average
FEMA counts 21,075 residential structures in Tooele County overall, 46 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Tooele 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.