Enter any address in Navajo County, Arizona to see its FEMA flood zone
Flash flooding from summer thunderstorms dominates Navajo County's flood events. Over the past 30 years, the NOAA Storm Events Database recorded 113 flash flood events and 31 general flood events, which resulted in one fatality. For example, remnant moisture from tropical cyclones Priscilla and Raymond contributed to heavy rain and flash flooding in October 2025, while deep tropical monsoon moisture fueled strong thunderstorms and flash flooding in July 2025.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A experienced the highest average payouts and water depths, with an average claim of $13,322 and 5.2 feet of water. Properties in Zone X also saw significant claims, averaging $9,057 with an average water depth of 7.9 feet. Homeowners in areas designated as Zone A or Zone X, particularly those located near creeks and streams that can experience rapid rises, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
12 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Navajo County, Arizona has recorded 144 flood-related events since 1996 according to NOAA's Storm Events Database, including 113 flash floods and 31 river or area floods. The county has received 21 federal disaster declarations, 7 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1970–2021)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms And Flooding | Flood | Jul 22, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Winter Storm | Severe Storm | Jan 20, 2010 |
| Severe Winter Storms And Flooding | Severe Storm | Jan 18, 2010 |
| Severe Storms And Flooding | Severe Storm | Jul 25, 2006 |
| Potato Fire | Fire | Jun 12, 2006 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Storms And Flooding | Severe Storm | Dec 28, 2004 |
| Kinishba Fire | Fire | Jul 13, 2003 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 15, 2025 | 0.00K |
| Flood | Oct 12, 2025 | 0.00K |
| Flash Flood | Sep 3, 2025 | 0.00K |
| Flash Flood | Jul 2, 2025 | 0.00K |
| Flash Flood | Aug 12, 2024 | 0.00K |
| Flood | Mar 22, 2023 | 0.00K (1 deaths) |
| Flood | Aug 9, 2023 | 0.00K |
| Flash Flood | Jul 29, 2022 | 0.00K |
| Flash Flood | Jul 28, 2022 | 0.00K |
| Flash Flood | Jul 27, 2022 | 0.00K |
Flash Flood — Jul 15, 2025
Heavy monsoon rain caused flash flooding in Winslow. A brief landspout tornado also formed.
Flood — Oct 12, 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 — Sep 3, 2025
Heavy monsoon rains caused flash flooding in a couple of areas.
Flash Flood — Jul 2, 2025
Deep tropical monsoon moisture interacted with an approaching upper level low moving towards the southern California coastline to bring strong thunderstorms and flash flooding to the region.
Flash Flood — Aug 12, 2024
Ample monoon moisture and slow moving thunderstorms brought lightning, heavy rain, and flash flooding to a few locations across northern Arizona.
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 Navajo 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 Navajo 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.