Utah has been included in 10 federal disaster declarations for severe storms, flooding or hurricanes since 2000, most recently Flooding in December 2023 (FEMA DR-4752), and 0 for winter storms and freezing. Most water damage, though, starts inside: a supply line, a water heater, a washing machine hose or a toilet. The table ranks the 19 Utah cities we cover by population, with each city's score on our Water Damage Risk Index.
| City | Population | Homes built before 1980 | Freezing nights a year | Risk score |
|---|---|---|---|---|
| Salt Lake City | 218,428 | 65% | 81 | 42/100 |
| West Valley City | 137,491 | 42% | 112 | 34/100 |
| West Jordan | 116,812 | 19% | 112 | 29/100 |
| Provo | 114,527 | 46% | 111 | 37/100 |
| St. George | 108,713 | 11% | 63 | 17/100 |
| Lehi | 95,313 | 9% | 149 | 29/100 |
| Orem | 95,214 | 37% | 111 | 32/100 |
| Sandy | 92,386 | 42% | 112 | 36/100 |
| Ogden | 89,510 | 66% | 117 | 47/100 |
| South Jordan | 87,614 | 9% | 112 | 26/100 |
| Layton | 85,308 | 26% | 132 | 34/100 |
| Eagle Mountain | 66,557 | 1% | 197 | 28/100 |
| Millcreek | 63,926 | 62% | 112 | 45/100 |
| Herriman | 63,282 | 4% | 149 | 27/100 |
| Saratoga Springs | 61,397 | 1% | 149 | 27/100 |
| Taylorsville | 57,484 | 46% | 81 | 34/100 |
| Logan | 55,576 | 45% | 166 | 43/100 |
| Murray | 53,297 | 54% | 112 | 42/100 |
| Draper | 50,652 | 5% | 133 | 28/100 |
Sources: Census Bureau population estimates (Vintage 2025) and ACS 2020-2024, NOAA 1991-2020 climate normals, OpenFEMA. Method: editorial policy and data.
Water damage in Utah?
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Water damage in Utah: common questions
Which Utah cities do you cover?
This page lists the 19 Utah cities we have local pages for. The phone line takes calls from anywhere in Utah; tell the call taker your ZIP code and you will be connected with a restoration company that serves it, where one is available.
Does homeowners insurance in Utah cover water damage?
Standard homeowners policies generally cover sudden and accidental water damage such as a burst pipe, and exclude flooding from outside and long-term leaks. Utah has had 10 federal disaster declarations for storms, floods or hurricanes since 2000, so it is worth checking whether you also need flood insurance.
How much does water damage restoration cost in Utah?
HomeAdvisor's 2026 national data puts most jobs at $1,383 to $6,369 (average $3,868), or roughly $3.50 to $7.50 per square foot for drying. Local labor costs, the type of water and the materials affected move the final number.