Natural hazards · Heber-Overgaard

Heber-Overgaard, AZ natural hazards

Most of the natural-hazard damage FEMA expects in Heber-Overgaard comes from wildfires, 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 Heber-Overgaard?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Heber-Overgaard to be higher than in 88% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire56%Inland flooding36%Everything else9%

By hazard

What Heber-Overgaard faces

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

Wildfire

56% of expected damage

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

Inland flooding

36% of expected damage

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

Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Heber-Overgaard flood?

FEMA's records show no paid flood insurance claims in Heber-Overgaard.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Heber-Overgaard 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 Heber-Overgaard

Federal disasters declared here

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

Brought FEMA money into Heber-OvergaardDeclared 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. Heber-Overgaard covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Heber-Overgaard’s own flood-insurance community; household aid to the registrant’s city; repair grants to Heber-Overgaard. 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 Heber-Overgaard total about $2.1M 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.