Photo: TimothyMN · CC BY-SA 4.0FEMA expects more hazard damage per building in Winslow than in 77% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Winslow gets a C− for hazard risk: higher expected damage per building than 77% of U.S. towns, #68 of 140 in Arizona. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 47 claims here since 1978.
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 Winslow 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
Earthquakes
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 Winslow’s grade
River and rain flooding is 92% of the building damage FEMA expects in Winslow, and Winslow’s rate of river and rain flooding damage is higher than 88% of U.S. census tracts. Wildfire adds 2%, at a rate in the top 9% of U.S. census tracts.
C− #68 of 140 in Arizona; higher expected damage per building than 77% of U.S. towns (21,298).
Winslow’s residents live in 3 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, Winslow has less expected damage per building than 52% of Arizona towns.
In dollars, FEMA expects about $4.0M a year in losses across Winslow: $3.2M to buildings, the rest to people and crops.
Does Winslow flood? Sometimes: 47 flood claims since 1978
Every paid claim on a federal flood insurance policy in Winslow, from FEMA’s records: 17.1 per 1,000 homes, more than 82% of the 13,809 U.S. towns with a flood insurance record.
Winslow 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.1 federal disaster brought FEMA money to Winslow
Disasters that paid out in Winslow itself (aid to households or repair grants to the City of Winslow), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding$56K to the City of Winslow for repairs
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.
Old photos of Winslow after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Winslow archive →Winslow and its neighbors
Winslow has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Winslow | C−more damage than 77% | river and rain flooding | 47 |
| Winslow West | — | 335 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 Winslow 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Winslow
Is Winslow at risk for natural disasters?
On FEMA’s National Risk Index, Winslow has higher expected damage per building than 77% of U.S. towns: C− for hazard risk, #68 of 140 in Arizona. Most of the expected damage is river and rain flooding (92%) and earthquakes (5%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Winslow flood?
Flood insurance has paid 47 claims in Winslow since 1978, $529K in all, or 17.1 per 1,000 homes, more than 82% of U.S. towns with a flood insurance record. 2 properties have flooded more than once.
Is Winslow 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 Winslow?
FEMA’s Community Rating System list shows no discount for Winslow’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Winslow?
By FEMA money that reached Winslow, Severe Storms and Flooding (2004): $56K to the City of Winslow for repairs.
Is Winslow at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Winslow’s rate for it is higher than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Winslow.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Winslow’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.