Enter any address in Apache County, Arizona to see its FEMA flood zone
Flash flooding from thunderstorms dominates Apache County's flood events. Between 1994 and 2024, NOAA Storm Events data recorded 98 flash flood events and 9 flood events. For example, remnants of Tropical Storm Albert contributed to thunderstorms with flooding on June 21 and 22, 2024. Heavy rain from tropical cyclone remnants also caused creek and stream flooding on October 10, 2025.
National Flood Insurance Program (NFIP) claims data shows that while Zone A has had the most claims (3), Zone D has experienced deeper water (average 1.0 ft) and higher average payouts ($8,485) per claim. Zone X and X_Unshaded also show claims, indicating flood risk exists in areas outside of high-risk zones. Homeowners in Zone D, as well as those in Zone A or any area that has experienced flooding, should pay close attention to their flood risk.
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 federally backed mortgages 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.