Natural hazards · Florence

Florence, AZ natural hazards

Most of the natural-hazard damage FEMA expects in Florence comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2018.

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

Expected damage

How exposed is Florence?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Florence to be higher than in 37% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding62%Heat waves24%Wildfire6%Everything else8%

By hazard

What Florence 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 61% of U.S. places

Recorded about 4 times a year in the area

Heat waves

24% of expected damage

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

Recorded about 21 times a year in the area

Wildfire

6% of expected damage

Well above average · higher than 94% of U.S. places

Lower here

HurricanesTornadoesHailWinter weatherEarthquakesLandslidesStrong 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 Florence flood?

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

1paid claims since 2018

$17Kpaid to owners

0homes flooded more than once

20182026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Florence 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

1buildings floodproofed

Disasters that hit Florence

Federal disasters declared here

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

Brought FEMA money into FlorenceDeclared for Pinal County only

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

Around Florence

Florence and the towns around it

Very lowLowModerateHighVery high

Blackwatermostly inland floodingHigh

San Tan Valleymostly inland floodingModerate

Coolidgemostly inland floodingModerate

Florencemostly 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. Florence covers 7 census tracts, combined by population.

Money that reached townFlood claims are matched to Florence’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Florence. 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 Florence total about $7.9M 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.