FEMA expects less hazard damage per building in Fort Mohave than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fort Mohave gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns, #13 of 140 in Arizona. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 4 claims here since 2009.
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 Fort Mohave 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
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 Fort Mohave’s grade
River and rain flooding is 92% of the building damage FEMA expects in Fort Mohave, and Fort Mohave’s rate of river and rain flooding damage is higher than 62% of U.S. census tracts. Wildfire adds 3%, at a rate in the top 10% of U.S. census tracts.
B+ #13 of 140 in Arizona; lower expected damage per building than 66% of U.S. towns (21,298).
Fort Mohave’s residents live in 7 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, Fort Mohave has less expected damage per building than 91% of Arizona towns.
In dollars, FEMA expects about $6.7M a year in losses across Fort Mohave: $3.3M to buildings, the rest to people and crops.
Does Fort Mohave flood? Rarely: 4 flood claims since 2009
Every paid claim on a federal flood insurance policy in Fort Mohave, from FEMA’s records: 0.5 per 1,000 homes, fewer than 90% of the 13,809 U.S. towns with a flood insurance record.
Fort Mohave isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Mohave County.The storms Fort Mohave remembers
None of the 9 disasters declared for Mohave County shows FEMA aid or repair money reaching Fort Mohave itself in FEMA’s records, so these are its biggest flood-claim years.
- 20253 flood claims paidNo declaration for the county that year
- 20091 flood claims paidNo declaration for the county that year
Mohave County has had 9 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 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Mohave County, 2005–2015.
Old photos of Fort Mohave after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fort Mohave archive →Fort Mohave and its neighbors
Fort Mohave has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Fort Mohave | B+less damage than 66% | river and rain flooding | 4 |
| Bullhead City | C−more damage than 75% | river and rain flooding | 4 |
| Mesquite Creek | — | 548 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 Fort Mohave 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.
- 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 Fort Mohave
Is Fort Mohave at risk for natural disasters?
On FEMA’s National Risk Index, Fort Mohave has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk, #13 of 140 in Arizona. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Fort Mohave flood?
Flood insurance has paid 4 claims in Fort Mohave since 2009, $149K in all, or 0.5 per 1,000 homes, fewer than 90% of U.S. towns with a flood insurance record.
Is Fort Mohave 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 Mohave County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Fort Mohave?
FEMA’s Community Rating System list shows no discount for Fort Mohave’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Fort Mohave at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Fort Mohave’s rate for it is higher than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fort Mohave.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fort Mohave’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.