Natural hazards · Eloy

Eloy, AZ natural hazards

Most of the natural-hazard damage FEMA expects in Eloy comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Eloy?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eloy to be higher than in 29% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding62%Heat waves18%Drought8%Everything else12%

By hazard

What Eloy faces

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

Inland flooding

62% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 4 times a year in the area

Heat waves

18% of expected damage

Well below average · higher than 5% of U.S. places

Recorded about 15 times a year in the area

Drought

8% of expected damage

Recorded about 45 times a year in the area

Lower here

HurricanesTornadoesHailWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 Eloy flood?

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

3paid claims since 1978

$4Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Eloy 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.

Disasters that hit Eloy

1 federal disaster brought FEMA money here

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

Brought FEMA money into EloyDeclared for Pinal County only

2006

Severe Storms and Flooding

$15K to the City of Eloy for repairs

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

Around Eloy

Eloy and the towns around it

Very lowLowModerateHighVery high

Arizona Citymostly inland floodingHigh

Picachomostly inland floodingModerate

Casa Grandemostly inland floodingModerate

Coolidgemostly inland floodingModerate

Eloymostly 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. Eloy covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Eloy’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Eloy. 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 Eloy total about $3.8M 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.