Woody Mountain Lookout Tower · Photo: Ldr5020 · CC BY-SA 4.0On FEMA’s figures, Kachina Village faces more hazard damage per building than 93% of U.S. towns, mostly from wildfire
On FEMA’s National Risk Index, Kachina Village gets a D for hazard risk: higher expected damage per building than 93% of U.S. towns, #120 of 140 in Arizona. Most of that expected damage is wildfire (61%), then river and rain flooding (35%). Flood insurance has paid 1 claim here since 2019.
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 Kachina Village faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Wildfire
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 Kachina Village’s grade
Wildfire is 61% of the building damage FEMA expects in Kachina Village, and Kachina Village’s rate of wildfire damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 35% (higher than 72% of U.S. census tracts).
D #120 of 140 in Arizona; higher expected damage per building than 93% of U.S. towns (21,298).
All of Kachina Village’s residents live in one census tract; the figures are that tract’s.
The typical Arizona town has higher expected damage than 78% of U.S. towns; within the state, Kachina Village has more expected damage per building than 86% of Arizona towns.
In dollars, FEMA expects about $2.8M a year in losses across Kachina Village: $2.4M to buildings, the rest to people and crops.
Does Kachina Village flood? Rarely: 1 flood claim since 2019
Every paid claim on a federal flood insurance policy in Kachina Village, 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.
Kachina Village isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Coconino County.The storms Kachina Village remembers
None of the 10 disasters declared for Coconino County shows FEMA aid or repair money reaching Kachina Village itself in FEMA’s records, so these are its biggest flood-claim years.
- 20191 flood claims paidNo declaration for the county that year
Coconino 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 Coconino County, 2006–2022.
Old photos of Kachina Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Kachina Village archive →Kachina Village and its neighbors
Kachina Village 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 |
|---|---|---|---|
| Kachina Village | Dmore damage than 93% | wildfire | 1 |
| Mountainaire | D−among the highest damage | wildfire | — |
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 Kachina Village faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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 Kachina Village
Is Kachina Village at risk for natural disasters?
On FEMA’s National Risk Index, Kachina Village has higher expected damage per building than 93% of U.S. towns: D for hazard risk, #120 of 140 in Arizona. Most of the expected damage is wildfire (61%) and river and rain flooding (35%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Kachina Village flood?
Flood insurance has paid 1 claim in Kachina Village since 2019, $6K in all, or 0.6 per 1,000 homes, fewer than 87% of U.S. towns with a flood insurance record.
Is Kachina Village 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 Coconino County, 30% of homes in mapped flood zones carry federal flood insurance, and 1.4% of all homes do.
How much is flood insurance in Kachina Village?
FEMA’s Community Rating System list shows no discount for Kachina Village’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Kachina Village at risk from wildfire?
It is the largest share of the building damage FEMA expects here (61%), and Kachina Village’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kachina Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kachina Village’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.