Natural hazards · Apache Junction

Apache Junction, AZ natural hazards

Most of the natural-hazard damage FEMA expects in Apache Junction comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 15 claims here since 2013.

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

Expected damage

How exposed is Apache Junction?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Apache Junction to be higher than in 38% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding68%Heat waves22%Everything else11%

By hazard

What Apache Junction faces

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

Inland flooding

68% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 4 times a year in the area

Heat waves

22% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about 21 times a year in the area

Lower here

HurricanesTornadoesHailWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingIce stormsCold wavesDroughtAvalanchesTsunamisVolcanic 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 Apache Junction flood?

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

15paid claims since 2013

$1.2Mpaid to owners

3homes flooded more than once

20132026

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. Apache Junction isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Pinal County.

What’s been done with FEMA grants

2buildings floodproofed

Disasters that hit Apache Junction

Federal disasters declared here

None of the disasters declared for Pinal County shows FEMA aid or repair money reaching Apache Junction itself in FEMA’s records.

Brought FEMA money into Apache JunctionDeclared for Pinal County only

Pinal County has had 21 natural disasters declared since 1953, most often fires and floods.

Around Apache Junction

Apache Junction and the towns around it

Very lowLowModerateHighVery high

Queen Creekmostly inland floodingHigh

Mesamostly inland floodingHigh

Gold Canyonmostly inland floodingModerate

Apache Junctionmostly inland floodingLow

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. Apache Junction covers 12 census tracts, combined by population.

Money that reached townFlood claims are matched to Apache Junction’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Apache Junction. 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 Apache Junction total about $10.5M 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.