Property Atlas

County hazard profile

Pinal, AZ

Arizona · pop. 424,095 · FIPS 04021

Relatively Moderate
FEMA risk rating · RATING
Heat Wave
dominant hazard
$137M
modeled expected annual loss/yr

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

near the national middle (42nd percentile)

national median $15M/yr Pinal $137M

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 93.83/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 43.73/100
national median ~50 near the national middle (44th percentile)
Community resilienceVery Low 13.87/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Pinal

The National Flood Insurance Program has paid 150 flood-insurance claims totaling $3.5M in Pinal since 1978. The costliest year was 2019 ($852K paid).

Flood-insurance dollars paid by year of loss

1978: $92,919 paid 1979: $4,954 paid 1980: $6,870 paid 1982: $37,877 paid 1983: $306,414 paid 1984: $0 paid 1985: $0 paid 1986: $0 paid 1987: $0 paid 1990: $47,397 paid 1991: $0 paid 1992: $0 paid 1993: $146,107 paid 1996: $4,376 paid 1997: $0 paid 1998: $45,399 paid 1999: $26,840 paid 2001: $0 paid 2002: $0 paid 2004: $1,487 paid 2005: $0 paid 2006: $263,235 paid 2008: $117,083 paid 2010: $67,617 paid 2011: $0 paid 2012: $99,869 paid 2013: $97,893 paid 2014: $138,039 paid 2015: $12,337 paid 2016: $29,982 paid 2017: $350,472 paid 2018: $16,654 paid 2019: $852,418 paid 2021: $30,882 paid 2022: $475,437 paid 2023: $0 paid 2024: $1,614 paid 2025: $188,894 paid 2019 · $852K 1978 2025
$3.5M
total paid
$23,087
average claim
$378K
largest single claim
38%
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 Pinal, AZ and where it ranks among U.S. counties. It is not a verdict on whether Pinal 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.