Natural hazards · Oxbow Estates

Oxbow Estates, AZ natural hazards

Most of the natural-hazard damage FEMA expects in Oxbow Estates 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 Oxbow Estates?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oxbow Estates to be higher than in 85% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding56%Wildfire36%Everything else8%

By hazard

What Oxbow Estates faces

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

Inland flooding

56% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 5 times a year in the area

Wildfire

36% of expected damage

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

Lower here

HurricanesTornadoesHailWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingIce stormsCold wavesDroughtTsunamisVolcanic 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 Oxbow Estates flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gila County.

Disasters that hit Oxbow Estates

Federal disasters declared here

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

Brought FEMA money into Oxbow EstatesDeclared for Gila County only

Gila County has had 20 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. Oxbow Estates 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 Oxbow Estates’s own flood-insurance community; household aid to the registrant’s city; repair grants to Oxbow Estates. 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.