Natural hazards · San Jose

San Jose, AZ natural hazards

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

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

Expected damage

How exposed is San Jose?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in San Jose to be higher than in 76% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding62%Heat waves23%Lightning6%Everything else9%

By hazard

What San Jose faces

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

Inland flooding

62% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 2 times a year in the area

Heat waves

23% of expected damage

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

Recorded about 6 times a year in the area

Lightning

6% of expected damage

Below average · higher than 41% of U.S. places

Lower here

HurricanesTornadoesHailWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windDroughtAvalanches

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 Jose flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Graham County.

Disasters that hit San Jose

Federal disasters declared here

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

Brought FEMA money into San JoseDeclared for Graham County only

Graham County has had 10 natural disasters declared since 1953, most often floods and severe storms.

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