Enter any address in Apache County, Arizona to see its FEMA flood zone
Flash flooding from summer thunderstorms dominates the flood risk profile in Apache County, Arizona, accounting for 98 out of 107 total recorded flood events over the last 30 years, alongside 9 standard flood events.
Recent historic events illustrate this pattern. In June 2024, the remnants of Tropical Storm Albert interacted with a Great Basin trough to produce thunderstorms, flooding, strong winds, and hail across northern Arizona, with multiple flash flood events recorded on June 21 and June 22. Later, in October 2025, heavy rain and flash flooding occurred along creeks and streams as remnant moisture from tropical cyclones Priscilla and Raymond interacted with two west coast troughs.
National Flood Insurance Program claims data indicates that losses have affected multiple zones. Zone A recorded 4 claims with an average payout of $1281 and an average recorded water depth of 1 inch. Zone X unshaded recorded 3 claims with an average payout of $2606 and an average recorded water depth of 2 inches. Zone D recorded 2 claims with an average payout of $8485 and an average recorded water depth of 1 inch. Zone X recorded 1 claim with an average payout of $2068 and an average recorded water depth of 0 inches. Property owners in Zone A, Zone X, and Zone D should pay the closest attention to these localized flood risks.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
7 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Apache County, Arizona has recorded 107 flood-related events since 1996 according to NOAA's Storm Events Database, including 98 flash floods and 9 river or area floods. The county has received 16 federal disaster declarations, 5 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1970–2025)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Greer Fire | Fire | May 14, 2025 |
| Severe Storms And Flooding | Flood | Jul 22, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Wallow Fire | Fire | Jun 1, 2011 |
| Severe Winter Storm | Severe Storm | Jan 20, 2010 |
| Severe Winter Storms And Flooding | Severe Storm | Jan 18, 2010 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Storms And Flooding | Severe Storm | Dec 28, 2004 |
| Three Forks Fire | Fire | Jun 8, 2004 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Oct 10, 2025 | 0.00K |
| Flash Flood | Jul 27, 2024 | 0.00K |
| Flash Flood | Jun 22, 2024 | 0.00K |
| Flash Flood | Jun 21, 2024 | 0.00K |
| Flash Flood | Aug 1, 2024 | 0.00K |
| Flood | Apr 23, 2023 | 0.00K |
| Flood | Mar 22, 2023 | 0.00K |
| Flash Flood | Aug 12, 2023 | 0.00K |
| Flash Flood | Jul 29, 2022 | 0.00K |
| Flash Flood | Jul 27, 2022 | 0.00K |
Flood — Oct 10, 2025
Remnant moisture from two tropical cyclones, Priscilla and Raymond moved into the state of Arizona. Two west coast troughs interacted with this remnant moisture and provided ample lift and shear for heavy rain and severe thunderstorms. The rain led to creek and stream level rises and some flash flooding.
Flash Flood — Jul 27, 2024
Deep monsoon moisture triggered strong to severe thunderstorms with hail and heavy rain over parts of northern Arizona.
Flash Flood — Jun 22, 2024
The remnants of Tropical Storm Albert brought moisture northward into Arizona. While at the same time, a trough over the Great Basin moved into the Northern Rockies. This produce thunderstorms over northern Arizona with flooding, storng winds, and hail.
Flash Flood — Jun 21, 2024
The remnants of Tropical Storm Albert brought moisture northward into Arizona. While at the same time, a trough over the Great Basin moved into the Northern Rockies. This produce thunderstorms over northern Arizona with flooding, storng winds, and hail.
Flash Flood — Aug 1, 2024
Deep monsoon moisture over easern Arizona allowed at least one thunderstorm with heavy rain to form over the Little Colorado River basin above St Johns.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Apache County, Arizona:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Apache County, Arizona that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with a mortgage from a federally regulated or insured lender, or a federally backed loan, are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.