Natural hazards · Clarkdale

Clarkdale, AZ natural hazards

Most of the natural-hazard damage FEMA expects in Clarkdale comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1993. 3 federal disasters brought FEMA money into town.

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

How exposed is Clarkdale?

42
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clarkdale to be higher than in 42% of U.S. communities, mostly from inland flooding.

Inland flooding70%Wildfire12%Lightning6%Everything else12%
By hazard

What Clarkdale faces

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

Inland flooding

70% of expected damage
Above average · higher than 61% of U.S. places
Recorded about 7 times a year in the area

Wildfire

12% of expected damage
Well above average · higher than 95% of U.S. places

Lightning

6% of expected damage
Below average · higher than 40% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesEarthquakesLandslidesStrong windVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtAvalanchesTsunamis
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 Clarkdale flood?

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

3paid claims since 1993
$32Kpaid to owners
0homes flooded more than once
19932026
of homes in flood zones
are insured
of all homes
are insured
🏷️ 10% off flood insurance. Clarkdale is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Yavapai County.
Disasters that hit Clarkdale

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Clarkdale itself: aid to households, or repair grants to the Town of Clarkdale.

Brought FEMA money into ClarkdaleDeclared for Yavapai County only
2010

Severe Winter Storms and Flooding

$3K to the Town of Clarkdale for repairs
2005

Severe Storms and Flooding

$3K to the Town of Clarkdale for repairs
2004

Severe Storms and Flooding

$2K to the Town of Clarkdale for repairs
Yavapai County has had 24 natural disasters declared since 1953, most often fires and floods.
Around Clarkdale

Clarkdale and the towns around it

Cottonwood: Moderate, mostly inland floodingVerde Village: Very high, mostly inland floodingCornville: Very high, mostly inland floodingCamp Verde: Very high, mostly inland floodingClarkdale: Moderate, mostly inland flooding ClarkdaleCottonwood
Very lowLowModerateHighVery high
Cottonwoodmostly inland floodingModerate
Clarkdalemostly inland floodingModerate
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. Clarkdale covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Clarkdale’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Clarkdale. 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 Clarkdale total about $567K 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