Garland, UT (84312) Earthquake & Climate Risk Profile

The primary drivers of climate-related financial risk in Garland, UT (84312) are Earthquake, Avalanche, and Inland Flooding. This area also faces an unusually high intensity for Strong Wind, Wildfire, Lightning, Drought, and Winter Weather compared to national averages. Based on recent federal data, homeowners in this market face an estimated average annual insurance premium of $1,089, with a local policy non-renewal rate of 0.8%.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

/ It represents the "average cost" rather than a guaranteed yearly bill.
/ It can be used to compare the relative risk from different hazards and across different neighborhoods.

Zip Code Risk Map

Flood Plain Analysis

Localized Flood Dynamics in 84312

FEMA Flood Maps for 84312 identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.

FEMA Designation vs. Reality

Relatively Low

Relative Vulnerability

$301,054

Annualized Property Exposure

Primary Risks

Earthquake

$557,589

Expected Annual Loss for Zip Code 84312

88.3Score

Relatively Moderate compared to US average

Avalanche

$532,653

Expected Annual Loss for Zip Code 84312

78.2Score

Relatively Low compared to US average

Inland Flooding

$301,054

Expected Annual Loss for Zip Code 84312

28.4Score

Relatively Low compared to US average

Insurance Market Stability

Avg. Annual Premium (2022)

$1,089

Latest Market Rate

Year-over-Year Change

+5.0%

2021 → 2022

Market Retreat (Non-Renewals)

0.81%

Higher rates indicate insurers are actively reducing exposure to ZIP 84312 due to climate-linked risk.

Underwriting Stress (Loss Ratio)

40.0%

A ratio over 70% suggests insurers are paying out nearly all premiums as claims, forcing future price hikes.

Historical Market Trends

Toggle series below to compare costs vs. market stress indicators

Historical Trends & Forecasting

Compare premium costs against underlying risk factors.

Avg. Premium2030 Trend LineLoss RatioNon-Renewal Rate

Financial Risk Inventory

MAJOR DRIVER

Earthquake

$557,589

Score: 88.3

MAJOR DRIVER

Avalanche

$532,653

Score: 78.2

MAJOR DRIVER

Inland Flooding

$301,054

Score: 28.4

UNUSUALLY HIGH

Strong Wind

$98,550

Score: 93.3

UNUSUALLY HIGH

Wildfire

$69,120

Score: 94.2

UNUSUALLY HIGH

Lightning

$39,065

Score: 91.5

Cold Wave

$28,262

Score: 41.4

Heat Wave

$28,140

Score: 47.1

UNUSUALLY HIGH

Drought

$23,858

Score: 92.1

UNUSUALLY HIGH

Winter Weather

$13,594

Score: 90.7

Tornado

$11,332

Score: 27.4

Hail

$2,341

Score: 35.3

Ice Storm

$934

Score: 15.7

Landslide

$24

Score: 72.2

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.3

🏠Low Investment

Avalanche Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.2

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 28.4

💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 93.3

🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 94.2

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.5

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.1

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.7

Methodology and Sources

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

FEMA National Flood Hazard LayerHigh-resolution vector data for 100-year and 500-year flood zones.
U.S. Department of the TreasuryFIO ZIP-code level insurance data (2018–2022 Historical Set).
FEMA National Risk IndexBaseline hazard frequency and economic loss data (v1.20.0).
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population Statistics.

Nearby Locations

Zip Code 84337