10 flood insurance claims·$18,328 paid·5 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Apache County, Arizona. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
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 written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 1 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2021, with 1 claims and $8,485 paid, the year of Severe Storms and Flooding.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
7 NOAA storm reports from Apache County describe what happened, in the words of the forecasters who covered it. Read the Arizona flood stories →
16 federal disaster declarations since 1970, 5 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Greer Fire | May 14, 2025 |
| Severe Storms And Flooding | Jul 22, 2021 |
| Wallow Fire | Jun 1, 2011 |
| Severe Winter Storm | Jan 20, 2010 |
| Severe Winter Storms And Flooding | Jan 18, 2010 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Severe Storms And Flooding | Dec 28, 2004 |
| Three Forks Fire | Jun 8, 2004 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
107 since 1996: 98 flash floods and 9 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Oct 10, 2025 | — |
| Flash Flood | Jul 27, 2024 | — |
| Flash Flood | Jun 22, 2024 | — |
| Flash Flood | Jun 21, 2024 | — |
| Flash Flood | Aug 1, 2024 | — |
| Flood | Apr 23, 2023 | — |
| Flood | Mar 22, 2023 | — |
| Flash Flood | Aug 12, 2023 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Apache County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.