Natural hazards · Hard Rock

Hard Rock, AZ natural hazards

Most of the natural-hazard damage FEMA expects in Hard Rock comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Hard Rock?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hard Rock to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding74%Lightning15%Everything else11%

By hazard

What Hard Rock faces

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

Inland flooding

74% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 4 times a year in the area

Lightning

15% of expected damage

Well below average · higher than 19% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesDroughtTsunamis

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 Hard Rock flood?

FEMA's records show no paid flood insurance claims in Hard Rock.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hard Rock 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 Hard Rock

Federal disasters declared here

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

Brought FEMA money into Hard RockDeclared for Navajo County only

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

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