Natural hazards · Thatcher

Thatcher, AZ natural hazards

Most of the natural-hazard damage FEMA expects in Thatcher comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2003.

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

Expected damage

How exposed is Thatcher?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Thatcher to be higher than in 49% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding43%Heat waves33%Wildfire12%Lightning8%Everything else4%

By hazard

What Thatcher faces

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

Inland flooding

43% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 2 times a year in the area

Heat waves

33% of expected damage

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

Recorded about 7 times a year in the area

Wildfire

12% of expected damage

Well above average · higher than 97% of U.S. places

Lightning

8% of expected damage

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

Lower here

HurricanesTornadoesHailWinter weatherEarthquakesLandslidesStrong windDrought

Not a risk here

Coastal floodingIce stormsCold wavesAvalanchesTsunamisVolcanic 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 Thatcher flood?

Every paid claim on a federal flood insurance policy in Thatcher, from FEMA’s records.

2paid claims since 2003

$4Kpaid to owners

0homes flooded more than once

20032026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Thatcher 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 Thatcher

Federal disasters declared here

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

Brought FEMA money into ThatcherDeclared 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. Thatcher 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 Thatcher’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Thatcher. 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.