Natural hazards · Fort Apache

Fort Apache, AZ natural hazards

Most of the natural-hazard damage FEMA expects in Fort Apache 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 Fort Apache?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fort Apache to be higher than in 96% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding42%Wildfire40%Lightning9%Cold waves6%Everything else4%

By hazard

What Fort Apache faces

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

Inland flooding

42% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Wildfire

40% of expected damage

Well above average · among the top 1% of U.S. places

Lightning

9% of expected damage

Well below average · higher than 23% of U.S. places

Cold waves

6% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 19 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windAvalanches

Not a risk here

Coastal floodingHurricanesDroughtTsunamisVolcanic 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 Fort Apache flood?

FEMA's records show no paid flood insurance claims in Fort Apache.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Navajo County.

Disasters that hit Fort Apache

Federal disasters declared here

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

Brought FEMA money into Fort ApacheDeclared for Navajo County only

Navajo County has had 17 natural disasters declared since 1953, most often floods and fires.

Around Fort Apache

Fort Apache and the towns around it

Very lowLowModerateHighVery high

Fort Apachemostly inland floodingVery high

Seven Milemostly inland floodingVery high

Whiterivermostly inland floodingHigh

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. Fort Apache 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 Fort Apache’s own flood-insurance community; household aid to the registrant’s city; repair grants to Fort Apache. 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.