Water Risk Profile — ZIP 84405
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
Low
Cost Range
$1,350–$7,650
Avg Response
42 min
NFIP
State participates
Local Climate & Risk Factors
Ogden area water damage risk reflects Utah's elevation-driven climate extremes: significant pipe freeze risk in winter (especially above 4,500 feet elevation), spring flooding from Wasatch snowmelt, and summer flash flooding from afternoon convective storms in desert terrain. Utah's rapidly expanding suburban development has created drainage infrastructure challenges as impervious surface increases runoff velocity. Salt Lake City's Great Salt Lake basin creates seasonal flooding from tributary rivers in wet years. Irrigation system failures are a significant source of crawl space and foundation water damage in Utah's agricultural and suburban properties.
Flood-prone areas: The East Bench neighborhoods east of Harrison Boulevard are built on alluvial fans and are vulnerable to debris flows and rapid-onset flooding from canyon streams, particularly during the late-summer monsoon thunderstorm season that hits the Wasatch Front. Downtown Ogden and the Washington Boulevard corridor near the Ogden River are in a mapped Special Flood Hazard Area, with older commercial and residential buildings facing recurring risk whenever Ogden Canyon acts as a funnel for concentrated snowmelt or storm runoff.
Water Category Cost Table — Ogden, UT
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $2.46–$6.08 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $6.08–$7.36 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $8.64–$10.89 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Ogden market (2.9–9.9/sq ft range).