Photo: Ben FrantzDale · CC BY-SA 3.0Less hazard damage per building is expected in Window Rock than in 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Window Rock gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns. Most of that expected damage is river and rain flooding (92%). 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 Window Rock 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 Window Rock’s grade
River and rain flooding is 92% of the building damage FEMA expects in Window Rock, and Window Rock’s rate of river and rain flooding damage is higher than 50% of U.S. census tracts.
A− lower expected damage per building than 80% of U.S. towns (21,298).
Window Rock’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $536K a year in losses across Window Rock: $329K to buildings, the rest to people and crops.
Does Window Rock flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Window Rock. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Window Rock isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Apache County.The storms Window Rock remembers
None of the 9 disasters declared for Apache County shows FEMA aid or repair money reaching Window Rock itself in FEMA’s records, so these are its biggest flood-claim years.
Apache County has had 9 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 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Apache County, 2004–2025.
Window Rock and its neighbors
Window Rock 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 |
|---|---|---|---|
| Window Rock | A−less damage than 80% | river and rain flooding | 0 |
| St. Michaels | A−less damage than 79% | river and rain flooding | — |
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 Window Rock 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 Window Rock
Is Window Rock at risk for natural disasters?
On FEMA’s National Risk Index, Window Rock has lower expected damage per building than 80% of U.S. towns: A− for hazard risk. 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.
Is Window Rock 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 Apache County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Window Rock?
FEMA’s Community Rating System list shows no discount for Window Rock’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Window Rock at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Window Rock’s rate for it is higher than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Window Rock.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Window Rock’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.