Montezuma Castle National Monument · Photo: Bernard Gagnon · CC BY-SA 3.0More hazard damage per building is expected in Lake Montezuma than in 96% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lake Montezuma gets a D− for hazard risk: higher expected damage per building than 96% of U.S. towns, #130 of 140 in Arizona. Most of that expected damage is river and rain flooding (86%), then wildfire (11%). FEMA’s files show no paid flood insurance claims here.
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 Lake Montezuma 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 Lake Montezuma’s grade
River and rain flooding is 86% of the building damage FEMA expects in Lake Montezuma, and Lake Montezuma’s rate of river and rain flooding damage is in the top 2% of U.S. census tracts. Wildfire adds 11%, at a rate in the top 2% of U.S. census tracts.
D− #130 of 140 in Arizona; higher expected damage per building than 96% of U.S. towns (21,298).
Lake Montezuma’s residents live in 2 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, Lake Montezuma has more expected damage per building than 93% of Arizona towns.
In dollars, FEMA expects about $3.5M a year in losses across Lake Montezuma: $2.8M to buildings, the rest to people and crops.
Does Lake Montezuma flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lake Montezuma. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lake Montezuma isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Yavapai County.The storms Lake Montezuma remembers
None of the 10 disasters declared for Yavapai County shows FEMA aid or repair money reaching Lake Montezuma itself in FEMA’s records, so these are its biggest flood-claim years.
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.
Get ready for what Lake Montezuma 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 Lake Montezuma
Is Lake Montezuma at risk for natural disasters?
On FEMA’s National Risk Index, Lake Montezuma has higher expected damage per building than 96% of U.S. towns: D− for hazard risk, #130 of 140 in Arizona. Most of the expected damage is river and rain flooding (86%) and wildfire (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Lake Montezuma 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 Lake Montezuma?
FEMA’s Community Rating System list shows no discount for Lake Montezuma’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Lake Montezuma at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Lake Montezuma’s rate for it is in the top 2% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lake Montezuma.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lake Montezuma’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.