Property Atlas

County hazard profile

Cochise, AZ

Arizona · pop. 125,169 · FIPS 04003

Relatively Moderate
FEMA risk rating · RATING
Wildfire
dominant hazard
$91M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

lower than most counties (28th percentile)

national median $15M/yr Cochise $91M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 92.84/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 76.78/100
national median ~50 higher than 77% of counties
Community resilienceVery Low 5.15/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Cochise

The National Flood Insurance Program has paid 114 flood-insurance claims totaling $623K in Cochise since 1978. The costliest year was 2014 ($140K paid).

Flood-insurance dollars paid by year of loss

1978: $5,500 paid 1979: $18,851 paid 1981: $149 paid 1983: $29,429 paid 1984: $0 paid 1986: $3,329 paid 1987: $103 paid 1989: $1,222 paid 1990: $0 paid 1992: $0 paid 1993: $0 paid 1994: $0 paid 1998: $4,288 paid 1999: $58,927 paid 2000: $8,926 paid 2001: $38,434 paid 2003: $22,600 paid 2006: $49,398 paid 2007: $0 paid 2008: $0 paid 2009: $0 paid 2010: $62,133 paid 2011: $19,524 paid 2012: $0 paid 2013: $1,595 paid 2014: $140,411 paid 2015: $34,005 paid 2016: $12,438 paid 2018: $0 paid 2019: $39,277 paid 2020: $23,286 paid 2022: $49,440 paid 2023: $0 paid 2014 · $140K 1978 2023
$623K
total paid
$5,467
average claim
$42K
largest single claim
61%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Cochise, AZ and where it ranks among U.S. counties. It is not a verdict on whether Cochise is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.