Natural hazards · North Fork

North Fork, AZ natural hazards

Most of the natural-hazard damage FEMA expects in North Fork 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 North Fork?

Very high

vs. U.S. communities

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

Wildfire53%Inland flooding31%Lightning7%Everything else9%

By hazard

What North Fork faces

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

Wildfire

53% of expected damage

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

Inland flooding

31% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Lightning

7% of expected damage

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

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat 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 North Fork flood?

FEMA's records show no paid flood insurance claims in North Fork.

of homes in flood zones
are insured

of all homes
are insured

No community discount. North Fork 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 North Fork

Federal disasters declared here

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

Brought FEMA money into North ForkDeclared for Navajo County only

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

Around North Fork

North Fork and the towns around it

Very lowLowModerateHighVery high

North Forkmostly wildfiresVery high

Hondahmostly wildfiresVery high

Rainbow Citymostly inland floodingHigh

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