Apache County, Arizona: hazard risk
FEMA rates Apache County's overall risk Relatively Low (score 78.8 of 100, higher than 78% of rated U.S. counties); 3 of its 16 hazards are rated Relatively High or Very High, led by lightning, wildfire, winter weather. Its storm record holds 810 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Lightning | Very High | 99.1 | $2.3M |
| Wildfire | Relatively High | 97.9 | $6.0M |
| Winter Weather | Relatively High | 90.6 | $224K |
| Landslide | Relatively Moderate | 93.5 | $52K |
| Riverine Flooding | Relatively Moderate | 80.7 | $11M |
| Earthquake | Relatively Low | 67.7 | $371K |
| Cold Wave | Relatively Low | 62.7 | $831K |
| Ice Storm | Relatively Low | 53.9 | $53K |
| Drought | Relatively Low | 50.3 | $79K |
| Heat Wave | Relatively Low | 46.7 | $168K |
| Volcanic Activity | Very Low | 57.3 | $11 |
| Avalanche | Very Low | 50.7 | $310 |
| Hurricane | Very Low | 11.7 | $1K |
| Hail | Very Low | 8.6 | $13K |
| Strong Wind | Very Low | 8.3 | $32K |
| Tornado | Very Low | 3.6 | $5K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| High wind and dust storms | 317 | 0 | $157K | 7th of 15 | 2101st of 3,080 |
| Winter storms | 216 | 4 | – | 7th of 15 | 2848th of 3,077 |
| Floods | 107 | 0 | $312K | 15th of 15 | 2820th of 3,080 |
| Heavy rain | 37 | 0 | $13K | 7th of 15 | 1663rd of 3,080 |
| Severe thunderstorm wind | 22 | 0 | $5K | 15th of 15 | 3004th of 3,080 |
| Hail | 21 | 0 | $13K | 14th of 15 | 2998th of 3,080 |
| Tornadoes | 18 | 0 | – | 9th of 15 | 2863rd of 3,080 |
| Wildfires | 16 | 0 | $86M | 11th of 15 | 1051st of 2,972 |
| Heat | 9 | 0 | – | 13th of 15 | 2430th of 3,076 |
| Extreme cold | 8 | 0 | $105K | 11th of 15 | 2840th of 3,076 |
| Lightning | 5 | 4 | $10K | 11th of 15 | 2360th of 3,080 |
| Landslides and avalanches | 2 | 0 | – | 11th of 15 | 435th of 2,278 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Apache County record: every hazard by year and month, the deadliest events and FEMA's declarations.