Navajo County, Arizona: hazard risk
FEMA rates Navajo County's overall risk Relatively Moderate (score 88.1 of 100, higher than 88% of rated U.S. counties); 3 of its 16 hazards are rated Relatively High or Very High, led by lightning, winter weather, wildfire. Its storm record holds 1,057 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 | 99.5 | $3.4M |
| Winter Weather | Very High | 96.8 | $522K |
| Wildfire | Relatively High | 98.8 | $12M |
| Landslide | Relatively Moderate | 94.0 | $57K |
| Riverine Flooding | Relatively Moderate | 89.5 | $20M |
| Cold Wave | Relatively Moderate | 73.0 | $1.4M |
| Ice Storm | Relatively Moderate | 63.3 | $86K |
| Earthquake | Relatively Low | 81.2 | $1.0M |
| Heat Wave | Relatively Low | 56.7 | $281K |
| Drought | Relatively Low | 52.0 | $92K |
| Strong Wind | Relatively Low | 40.1 | $231K |
| Hail | Relatively Low | 34.8 | $80K |
| Volcanic Activity | Very Low | 53.7 | $9 |
| Avalanche | Very Low | 50.9 | $325 |
| Tornado | Very Low | 8.0 | $25K |
| Hurricane | No Rating | 0.0 | $0 |
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 | 339 | 2 | $368K | 4th of 15 | 2023rd of 3,080 |
| Winter storms | 315 | 12 | – | 3rd of 15 | 2754th of 3,077 |
| Floods | 143 | 1 | $197K | 12th of 15 | 2636th of 3,080 |
| Hail | 58 | 0 | – | 9th of 15 | 2885th of 3,080 |
| Heavy rain | 53 | 0 | $1K | 5th of 15 | 1334th of 3,080 |
| Wildfires | 40 | 0 | $145M | 7th of 15 | 611th of 2,972 |
| Severe thunderstorm wind | 32 | 0 | $12K | 13th of 15 | 2980th of 3,080 |
| Tornadoes | 23 | 0 | $40K | 6th of 15 | 2810th of 3,080 |
| Extreme cold | 8 | 0 | $144K | 8th of 15 | 2830th of 3,076 |
| Heat | 8 | 0 | – | 14th of 15 | 2432nd of 3,076 |
| Lightning | 5 | 2 | $85K | 10th of 15 | 2349th of 3,080 |
| Landslides and avalanches | 2 | 0 | – | 10th of 15 | 434th 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 Navajo County record: every hazard by year and month, the deadliest events and FEMA's declarations.