Natural hazards · Rough Rock

Rough Rock, AZ natural hazards

Most of the natural-hazard damage FEMA expects in Rough Rock comes from inland flooding, and overall the risk is low for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Rough Rock?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rough Rock to be higher than in 28% of U.S. communities, mostly from inland flooding and lightning.

Inland flooding71%Lightning20%Everything else10%

By hazard

What Rough Rock faces

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

Inland flooding

71% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 3 times a year in the area

Lightning

20% of expected damage

Well below average · higher than 18% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windAvalanchesVolcanic activity

Not a risk here

Coastal floodingDroughtTsunamis

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 Rough Rock flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Apache County.

Disasters that hit Rough Rock

Federal disasters declared here

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

Brought FEMA money into Rough RockDeclared for Apache County only

Apache County has had 14 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. Rough Rock 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 Rough Rock’s own flood-insurance community; household aid to the registrant’s city; repair grants to Rough Rock. 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.