White Mountain Lake’s building-damage rate from wildfire is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, White Mountain Lake gets a C+ for hazard risk: higher expected damage per building than 55% of U.S. towns, #34 of 140 in Arizona. Most of that expected damage is river and rain flooding (69%), then wildfire (28%). 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 White Mountain Lake 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 White Mountain Lake’s grade
River and rain flooding is 69% of the building damage FEMA expects in White Mountain Lake, and White Mountain Lake’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Wildfire adds 28%, at a rate in the top 3% of U.S. census tracts.
C+ #34 of 140 in Arizona; higher expected damage per building than 55% of U.S. towns (21,298).
All of White Mountain Lake’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, White Mountain Lake has less expected damage per building than 76% of Arizona towns.
In dollars, FEMA expects about $616K a year in losses across White Mountain Lake: $483K to buildings, the rest to people and crops.
Does White Mountain Lake flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in White Mountain Lake. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
White Mountain Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Navajo County.The storms White Mountain Lake remembers
None of the 12 disasters declared for Navajo County shows FEMA aid or repair money reaching White Mountain Lake itself in FEMA’s records, so these are its biggest flood-claim years.
Navajo County has had 12 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 5 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Navajo County, 1999–2006.
White Mountain Lake and its neighbors
White Mountain Lake 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 |
|---|---|---|---|
| Show Low | B+less damage than 72% | river and rain flooding | 3 |
| White Mountain Lake | C+more damage than 55% | river and rain flooding | 0 |
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 White Mountain Lake 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 White Mountain Lake
Is White Mountain Lake at risk for natural disasters?
On FEMA’s National Risk Index, White Mountain Lake has higher expected damage per building than 55% of U.S. towns: C+ for hazard risk, #34 of 140 in Arizona. Most of the expected damage is river and rain flooding (69%) and wildfire (28%). 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.
Is White Mountain Lake 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 Navajo County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in White Mountain Lake?
FEMA’s Community Rating System list shows no discount for White Mountain Lake’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is White Mountain Lake at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and White Mountain Lake’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in White Mountain Lake.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where White Mountain Lake’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.