Natural hazards · San Carlos

San Carlos, AZ natural hazards

Most of the natural-hazard damage FEMA expects in San Carlos 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 San Carlos?

Very high

vs. U.S. communities

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

Inland flooding80%Wildfire8%Heat waves7%Everything else5%

By hazard

What San Carlos faces

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

Inland flooding

80% of expected damage

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

Recorded about 5 times a year in the area

Wildfire

8% of expected damage

Well above average · higher than 98% of U.S. places

Heat waves

7% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailWinter weatherCold 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 San Carlos flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. San Carlos 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 San Carlos

Federal disasters declared here

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

Brought FEMA money into San CarlosDeclared 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. San Carlos 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 San Carlos’s own flood-insurance community; household aid to the registrant’s city; repair grants to San Carlos. 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.