Photo: Seasider53 · CC BY 4.0FEMA expects more hazard damage per building in Camp Verde than in 98% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Camp Verde gets a D− for hazard risk: higher expected damage per building than 98% of U.S. towns, #134 of 140 in Arizona. Most of that expected damage is river and rain flooding (91%). Flood insurance has paid 23 claims here since 1993.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Camp Verde’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Camp Verde faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Wildfire
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Camp Verde’s grade
River and rain flooding is 91% of the building damage FEMA expects in Camp Verde, and Camp Verde’s rate of river and rain flooding damage is in the top 1% of U.S. census tracts. Wildfire adds 7%, at a rate in the top 3% of U.S. census tracts.
D− #134 of 140 in Arizona; higher expected damage per building than 98% of U.S. towns (21,298).
Camp Verde’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical Arizona town has higher expected damage than 78% of U.S. towns; within the state, Camp Verde has more expected damage per building than 96% of Arizona towns.
In dollars, FEMA expects about $9.4M a year in losses across Camp Verde: $7.6M to buildings, the rest to people and crops.
Does Camp Verde flood? Sometimes: 23 flood claims since 1993
Every paid claim on a federal flood insurance policy in Camp Verde, from FEMA’s records: 4.5 per 1,000 homes, more than 58% of the 13,809 U.S. towns with a flood insurance record.
Camp Verde is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Yavapai County.1 federal disaster brought FEMA money to Camp Verde
Disasters that paid out in Camp Verde itself (aid to households or repair grants to the Town of Camp Verde), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding$17K to the Town of Camp Verde for repairs4 flood claims paid that year
Yavapai County has had 10 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 13 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Yavapai County, 2002–2022.
Old photos of Camp Verde after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Camp Verde archive →Camp Verde and its neighbors
Camp Verde is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Cottonwood | Cmore damage than 71% | river and rain flooding | 5 |
| Camp Verde | D−more damage than 98% | river and rain flooding | 23 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Camp Verde faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
- Camp Verde residents get 10% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Camp Verde
Is Camp Verde at risk for natural disasters?
On FEMA’s National Risk Index, Camp Verde has higher expected damage per building than 98% of U.S. towns: D− for hazard risk, #134 of 140 in Arizona. Most of the expected damage is river and rain flooding (91%) and wildfire (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Camp Verde flood?
Flood insurance has paid 23 claims in Camp Verde since 1993, $571K in all, or 4.5 per 1,000 homes, more than 58% of U.S. towns with a flood insurance record. 4 properties have flooded more than once.
Is Camp Verde in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Yavapai County, 24% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Camp Verde?
Camp Verde is in FEMA’s Community Rating System (class 8), which takes 10% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Camp Verde?
By FEMA money that reached Camp Verde, Severe Storms and Flooding (2004): $17K to the Town of Camp Verde for repairs.
Is Camp Verde at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (91%), and Camp Verde’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Camp Verde.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Camp Verde’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.