Natural disaster risk FEMA

Arizona natural disaster risk

Arizona ranks #50 of 51 from safest. Its biggest relative risks are riverine flooding, wildfire, heat wave.

Risk score
97.7
Among the highest of U.S. counties
Expected loss per resident
$504
per year, all hazards
Home insurance (median)
$1,189
per year with a mortgage, ACS 2024
Highest relative risks in Arizona (national percentile)
Higher risk than most U.S. counties
Riverine flooding98
Wildfire98
Heat wave97
Lightning95
Earthquake93
Hail87

The vertical line marks the middle of U.S. counties (50).

Risk in Arizona's largest counties

CountyPopulationRisk scoreFEMA rating
Maricopa County4,559,74899.9Very High
Pima County1,060,49099.1Relatively High
Pinal County469,00693.8Relatively Moderate
Yavapai County245,48093.7Relatively Moderate
Mohave County220,51794.8Relatively High
Yuma County211,74192.6Relatively Moderate
Coconino County144,50894.2Relatively Moderate
Cochise County125,56692.8Relatively Moderate
Navajo County108,41588.1Relatively Moderate
Apache County65,34178.8Relatively Low
Gila County53,79590.2Relatively Moderate
Santa Cruz County48,92688.3Relatively Moderate
Graham County39,23264.6Relatively Low
La Paz County16,66483.5Relatively Moderate
Greenlee County9,40912.4Very Low

County scores are averages, and the insurance figure above is what owners with a mortgage reported paying in 2024 (Census American Community Survey); premiums have risen since, especially in high-risk areas. For a specific home, check the address on FEMA's flood map and get insurance quotes before you commit. Our guide explains how to check natural disaster risk before you move.

Lowest-risk counties in Arizona

Cities in Arizona

Frequently asked questions

Is Arizona safe from natural disasters?

Arizona's population-weighted FEMA risk score is 97.7 out of 100 (among the highest of U.S. counties), #50 of 51 from safest. About 79% of residents live in counties FEMA rates relatively high or very high.

What natural disasters happen in Arizona?

The highest relative risks in Arizona are riverine flooding, wildfire, heat wave (national percentile scores 98, 98, 97).

Where is the safest place to live in Arizona?

Among counties with at least 20,000 people, the lowest FEMA risk scores are in Graham County, Apache County, Navajo County.