Natural hazards · Cactus Flats

Cactus Flats, AZ natural hazards

Most of the natural-hazard damage FEMA expects in Cactus Flats comes from inland flooding, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Cactus Flats?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cactus Flats to be higher than in 81% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding53%Heat waves24%Wildfire14%Lightning6%Everything else4%

By hazard

What Cactus Flats faces

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

Inland flooding

53% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 2 times a year in the area

Heat waves

24% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 7 times a year in the area

Wildfire

14% of expected damage

Well above average · higher than 98% of U.S. places

Lightning

6% of expected damage

Below average · higher than 40% of U.S. places

Lower here

HurricanesTornadoesHailWinter weatherEarthquakesLandslidesStrong windDroughtAvalanches

Not a risk here

Coastal floodingIce stormsCold wavesTsunamisVolcanic 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 Cactus Flats flood?

FEMA's records show no paid flood insurance claims in Cactus Flats.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cactus Flats isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Graham County.

Disasters that hit Cactus Flats

Federal disasters declared here

None of the disasters declared for Graham County shows FEMA aid or repair money reaching Cactus Flats itself in FEMA’s records.

Brought FEMA money into Cactus FlatsDeclared for Graham County only

Graham County has had 10 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. Cactus Flats is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Cactus Flats’s own flood-insurance community; household aid to the registrant’s city; repair grants to Cactus Flats. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.