Natural hazards · El Dorado

El Dorado, AR natural hazards

Most of the natural-hazard damage FEMA expects in El Dorado comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 32 claims here since 1978. 4 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is El Dorado?

37
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in El Dorado to be higher than in 37% of U.S. communities, mostly from inland flooding and ice storms.

Inland flooding33%Ice storms17%Tornadoes15%Heat waves12%Earthquakes9%Strong wind7%Everything else7%
By hazard

What El Dorado faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

33% of expected damage
Below average · higher than 25% of U.S. places
Recorded about once a year in the area

Ice storms

17% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once a year in the area

Tornadoes

15% of expected damage
Above average · higher than 58% of U.S. places

Heat waves

12% of expected damage
Above average · higher than 72% of U.S. places
Recorded about 19 times a year in the area

Earthquakes

9% of expected damage
Above average · higher than 74% of U.S. places

Strong wind

7% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesHailWinter weatherCold wavesWildfireLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does El Dorado flood?

Every paid claim on a federal flood insurance policy in El Dorado, from FEMA’s records.

32paid claims since 1978
$239Kpaid to owners
2homes flooded more than once
19782026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. El Dorado isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Union County.
Disasters that hit El Dorado

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in El Dorado itself: aid to households, or repair grants to the City of El Dorado.

Brought FEMA money into El DoradoDeclared for Union County only
2009

Severe Storms, Tornadoes, and Flooding

$5K to the City of El Dorado for repairs
2008

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $7K aid approved
2001

Severe Storms and Flooding

$3K to the City of El Dorado for repairs
2000

Severe Winter Ice Storm

$397K to the City of El Dorado for repairs
Union County has had 17 natural disasters declared since 1953, most often floods and severe storms.
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. El Dorado covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to El Dorado’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of El Dorado. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across El Dorado total about $3.9M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01