Natural hazards · El Mirage

El Mirage, AZ natural hazards

Most of the natural-hazard damage FEMA expects in El Mirage comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 1978.

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

Expected damage

How exposed is El Mirage?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in El Mirage to be higher than in 85% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding55%Heat waves43%Everything else2%

By hazard

What El Mirage faces

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

Inland flooding

55% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 8 times a year in the area

Heat waves

43% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 23 times a year in the area

Lower here

HurricanesTornadoesHailWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingIce stormsCold wavesAvalanchesTsunamisVolcanic 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 Mirage flood?

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

1paid claims since 1978

$8Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Maricopa County.

Disasters that hit El Mirage

Federal disasters declared here

None of the disasters declared for Maricopa County shows FEMA aid or repair money reaching El Mirage itself in FEMA’s records.

Brought FEMA money into El MirageDeclared for Maricopa County only

Maricopa County has had 23 natural disasters declared since 1953, most often fires and floods.

Around El Mirage

El Mirage and the towns around it

Very lowLowModerateHighVery high

Youngtownmostly inland floodingVery high

El Miragemostly inland floodingVery high

Sun Citymostly inland floodingHigh

Glendalemostly inland floodingHigh

Surprisemostly 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. El Mirage covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to El Mirage’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of El Mirage. 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 Mirage total about $17.9M 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.