Photo: No machine-readable author provided. Bobby~commonswiki assumed (based on copyright claims). · Public domainFEMA expects less hazard damage per building in Eloy than in 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Eloy gets a B+ for hazard risk: lower expected damage per building than 73% of U.S. towns, #9 of 140 in Arizona. Most of that expected damage is river and rain flooding (88%). Flood insurance has paid 3 claims here since 1978.
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 Eloy 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 Eloy’s grade
River and rain flooding is 88% of the building damage FEMA expects in Eloy, and Eloy’s rate of river and rain flooding damage is higher than 54% of U.S. census tracts. Wildfire adds 6%, at a rate in the top 9% of U.S. census tracts.
B+ #9 of 140 in Arizona; lower expected damage per building than 73% of U.S. towns (21,298).
Eloy’s residents live in 6 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, Eloy has less expected damage per building than 94% of Arizona towns.
In dollars, FEMA expects about $2.7M a year in losses across Eloy: $1.7M to buildings, the rest to people and crops.
Does Eloy flood? Rarely: 3 flood claims since 1978
Every paid claim on a federal flood insurance policy in Eloy, from FEMA’s records: 0.6 per 1,000 homes, fewer than 87% of the 13,809 U.S. towns with a flood insurance record.
Eloy isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pinal County.1 federal disaster brought FEMA money to Eloy
Disasters that paid out in Eloy itself (aid to households or repair grants to the City of Eloy), newest first, with that year’s flood claims.
- 2006Severe Storms and Flooding$15K to the City of Eloy for repairs
Pinal County has had 10 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 10 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Pinal County, 2002–2025.
Old photos of Eloy after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Eloy archive →Eloy and its neighbors
Eloy has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Eloy | B+less damage than 73% | river and rain flooding | 3 |
| Coolidge | B−less damage than 53% | river and rain flooding | 1 |
| Casa Grande | B−less damage than 50% | river and rain flooding | 8 |
| Arizona City | C−more damage than 82% | river and rain flooding | — |
| Picacho | — | 297 residents; we grade 1,000+ | |
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 Eloy 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Eloy
Is Eloy at risk for natural disasters?
On FEMA’s National Risk Index, Eloy has lower expected damage per building than 73% of U.S. towns: B+ for hazard risk, #9 of 140 in Arizona. Most of the expected damage is river and rain flooding (88%) and wildfire (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Eloy flood?
Flood insurance has paid 3 claims in Eloy since 1978, $4K in all, or 0.6 per 1,000 homes, fewer than 87% of U.S. towns with a flood insurance record.
Is Eloy 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 Pinal County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Eloy?
FEMA’s Community Rating System list shows no discount for Eloy’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Eloy?
By FEMA money that reached Eloy, Severe Storms and Flooding (2006): $15K to the City of Eloy for repairs.
Is Eloy at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (88%), and Eloy’s rate for it is higher than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Eloy.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eloy’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.