Natural Disaster Risk
New Harmony, UT
2026 Risk Report · FEMA · NOAA · USGS
Risk Score Overview— New Harmony
🌊 Flood Risk — New Harmony
New Harmony has a flood risk score of 42/100, classified as Moderate. This score is derived from FEMA's National Flood Insurance Program (NFIP) claims data, flood zone designations, and NOAA precipitation records.
🌪️ Tornado Risk — New Harmony
Tornado risk score: 20/100 — Very Low. Based on NOAA Storm Events Database historical tornado tracks and frequency data.
⚡ Earthquake Risk — New Harmony
Earthquake risk score: 52/100 — Moderate. Based on USGS National Seismic Hazard Model and historical seismic event data for this region.
🔥 Wildfire Risk — New Harmony
Wildfire risk score: 68/100 — High. Based on USDA Forest Service wildfire risk data and historical fire perimeter records.
💰 What This Means for Home Insurance in New Harmony
Standard homeowners policies do not cover flood damage. Properties in FEMA flood zones may be required to purchase NFIP coverage. Flood insurance is strongly recommended in this area.
Earthquake damage is excluded from standard homeowners policies. A separate earthquake rider or policy is required. Given the elevated risk, this coverage is worth considering.
Homeowners insurance typically covers wind and fire damage, but high-risk areas may see coverage restrictions or surcharges. Review your policy limits.
📍 Nearby Cities in Utah
❓ Frequently Asked Questions — New Harmony
Is New Harmony in a flood zone?
New Harmony has a flood risk score of 42/100, classified as Moderate. Check the FEMA Flood Map Service Center for specific parcel-level flood zone designations.
Does New Harmony get tornadoes?
New Harmony has a tornado risk score of 20/100. Tornadoes are rare in this area.
What is the earthquake risk in New Harmony?
New Harmony has an earthquake risk score of 52/100 (Moderate), based on USGS seismic hazard assessments and historical earthquake data.
Is New Harmony at risk for wildfires?
New Harmony's wildfire risk score is 68/100 (High), reflecting proximity to wildland-urban interface areas and historical fire perimeter data.
How does natural disaster risk affect home insurance in New Harmony?
Areas with higher risk scores typically see higher home insurance premiums. Standard homeowners insurance does not cover floods — a separate NFIP or private flood policy is required. Earthquake damage also requires a separate rider or policy. Check with a local insurance agent for coverage recommendations specific to New Harmony.