With mountain snowpack at 200 percent of average and rising water levels in area rivers and reservoirs, the thought of flood insurance has crossed the minds of a few residents.
"Probably in the last month, we've had 25 different families call," said Matthew Holbrook, owner of the American Family Insurance agency in Riverdale.
Yet few private companies offer flood insurance, he said. Most companies, including American Family, cover damage from broken plumbing and, in some cases, sprinkler damage.
To get coverage for a flood, residents have to buy a policy from the National Flood Insurance Program, which is run by the Federal Emergency Management Agency.
Individual agents such as Holbrook register with the National Flood Insurance Program to issue policies backed by the program.
FEMA spokesman Jerry DeFelice said residents should check with their homeowner's insurance provider first to see if the company offers coverage. People who live in flood plains probably have coverage as a requirement of their mortgage.
To qualify for the insurance, residents must live in communities that participate in the National Flood Insurance Program. It is not necessary to live in a flood plain or other flood-prone area, and DeFelice said nearly every community in Utah participates.
There are two levels of coverage.
Policies can cover the building only for landlords, the contents of a building for a renter or both building and contents for a homeowner.
Policies that include home contents protect contents on the ground floor, but limit coverage in basements.
Policies would replace damaged studs and drywall, as well as items such as furnaces, air conditioners, washers and dryers. Paneling, paint and other items commonly found in a finished basement would not be covered.
"We don't want people living in higher levels of danger," said FEMA senior flood plain specialist Barb Fitzpatrick.
The average cost of a policy for someone living in a flood hazard area is about $450 a year, but the price can rise or fall depending on factors such as flood risk and size of the home.
However, people interested in adding a flood insurance policy should know there is a 30-day waiting period for it to take effect.
In the meantime, Fitzpatrick and other emergency management personnel are watching the weather.
She said, ideally, warm days will be followed by cool nights, allowing for slow snowmelt.
"Hopefully, nothing happens, and hopefully, the weather plays nice and we won't have to declare a federal disaster," Fitzpatrick said.
For more information, visit floodsmart.gov.