Property Atlas

County hazard profile

Maricopa, AZ

Arizona · pop. 4,418,836 · FIPS 04013

Very High
FEMA risk rating · RATING
Heat Wave
dominant hazard
$2.2B
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Maricopa $2.2B

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 indexVery High 99.87/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 27.1/100
national median ~50 lower than most counties (27th percentile)
Community resilienceVery Low 18.03/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Maricopa

The National Flood Insurance Program has paid 2,630 flood-insurance claims totaling $26.1M in Maricopa since 1978. The costliest year was 2014 ($7.5M paid).

Flood-insurance dollars paid by year of loss

1978: $2,094,055 paid 1979: $98,757 paid 1980: $2,146,869 paid 1981: $150,069 paid 1982: $51,373 paid 1983: $476,068 paid 1984: $290,930 paid 1985: $19,583 paid 1986: $175,335 paid 1987: $34,438 paid 1988: $237,685 paid 1989: $175 paid 1990: $920,272 paid 1991: $6,620 paid 1992: $769,550 paid 1993: $411,867 paid 1994: $107,933 paid 1995: $125,832 paid 1996: $523,872 paid 1997: $48,727 paid 1998: $5,478 paid 1999: $12,370 paid 2000: $281,069 paid 2001: $0 paid 2002: $202,689 paid 2003: $41,856 paid 2004: $136,359 paid 2005: $581,148 paid 2006: $379,234 paid 2007: $738,692 paid 2008: $386,269 paid 2009: $4,592 paid 2010: $231,048 paid 2011: $4,002 paid 2012: $127,513 paid 2013: $661,016 paid 2014: $7,471,888 paid 2015: $267,786 paid 2016: $1,045,245 paid 2017: $89,828 paid 2018: $1,245,100 paid 2019: $240,715 paid 2020: $13,696 paid 2021: $1,317,037 paid 2022: $1,018,652 paid 2023: $32,085 paid 2024: $0 paid 2025: $912,360 paid 2014 · $7.5M 1978 2025
$26.1M
total paid
$9,938
average claim
$500K
largest single claim
45%
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 Maricopa, AZ and where it ranks among U.S. counties. It is not a verdict on whether Maricopa 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.