Natural hazards · Mormon Lake

Mormon Lake, AZ natural hazards

Most of the natural-hazard damage FEMA expects in Mormon Lake 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 Mormon Lake?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mormon Lake to be higher than in 99% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire58%Inland flooding35%Everything else7%

By hazard

What Mormon Lake faces

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

Wildfire

58% of expected damage

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

Inland flooding

35% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 8 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightningAvalanchesVolcanic 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 Mormon Lake flood?

FEMA's records show no paid flood insurance claims in Mormon Lake.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Coconino County.

Disasters that hit Mormon Lake

Federal disasters declared here

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

Brought FEMA money into Mormon LakeDeclared for Coconino County only

Coconino County has had 22 natural disasters declared since 1953, most often fires and floods.

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