Natural hazards · Oracle

Oracle, AZ natural hazards

Most of the natural-hazard damage FEMA expects in Oracle comes from inland flooding, 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 Oracle?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oracle to be higher than in 89% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding49%Wildfire45%Everything else6%

By hazard

What Oracle faces

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

Inland flooding

49% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 4 times a year in the area

Wildfire

45% of expected damage

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

Lower here

HurricanesTornadoesHailWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingIce stormsTsunamisVolcanic 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 Oracle flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pinal County.

Disasters that hit Oracle

Federal disasters declared here

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

Brought FEMA money into OracleDeclared for Pinal County only

Pinal County has had 21 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. Oracle 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 Oracle’s own flood-insurance community; household aid to the registrant’s city; repair grants to Oracle. 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.