Property Atlas

County hazard profile

Santa Cruz, AZ

Arizona · pop. 47,632 · FIPS 04023

Relatively Moderate
FEMA risk rating · RATING
Heat Wave
dominant hazard
$42M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Santa Cruz $42M

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 88.33/100
national median ~50 higher than 88% of counties
Social vulnerabilityVery High 92.3/100
national median ~50 among the highest nationally
Community resilienceVery Low 2.32/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Santa Cruz

The National Flood Insurance Program has paid 161 flood-insurance claims totaling $1.3M in Santa Cruz since 1978. The costliest year was 1983 ($415K paid).

Flood-insurance dollars paid by year of loss

1978: $7,757 paid 1980: $523 paid 1981: $54,213 paid 1983: $414,597 paid 1984: $27,962 paid 1985: $1,800 paid 1989: $36,726 paid 1990: $15,190 paid 1993: $35,887 paid 1994: $37,753 paid 1995: $0 paid 1996: $1,581 paid 1997: $82,392 paid 1998: $80,584 paid 2001: $11,124 paid 2003: $1,045 paid 2004: $15,566 paid 2006: $33,481 paid 2007: $0 paid 2008: $74,539 paid 2010: $148,323 paid 2011: $0 paid 2012: $31,833 paid 2013: $9,970 paid 2014: $103,249 paid 2015: $12,717 paid 2016: $2,598 paid 2017: $0 paid 2018: $0 paid 2021: $8,372 paid 2022: $3,586 paid 2025: $32,892 paid 1983 · $415K 1978 2025
$1.3M
total paid
$7,989
average claim
$245K
largest single claim
70%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Santa Cruz, AZ and where it ranks among U.S. counties. It is not a verdict on whether Santa Cruz 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.