Natural hazards · Gilbert

Gilbert, AZ natural hazards

Most of the natural-hazard damage FEMA expects in Gilbert comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 12 claims here since 1992. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Gilbert?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gilbert to be higher than in 64% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding54%Heat waves43%Everything else4%

By hazard

What Gilbert faces

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

Inland flooding

54% of expected damage

Well above average · higher than 86% 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 Gilbert flood?

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

12paid claims since 1992

$108Kpaid to owners

0homes flooded more than once

19922026

of homes in flood zones
are insured

of all homes
are insured

🏷️ 20% off flood insurance. Gilbert is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Maricopa County.

Disasters that hit Gilbert

1 federal disaster brought FEMA money here

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

Brought FEMA money into GilbertDeclared for Maricopa County only

2014

Severe Storms and Flooding

$8K to the Town of Gilbert for repairs

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

Around Gilbert

Gilbert and the towns around it

Very lowLowModerateHighVery high

Queen Creekmostly inland floodingHigh

Gilbertmostly inland floodingHigh

Mesamostly inland floodingHigh

Chandlermostly heat wavesModerate

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. Gilbert covers 56 census tracts, combined by population.

Money that reached townFlood claims are matched to Gilbert’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Gilbert. 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 Gilbert total about $131M 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.