Photo: Rob Cooley from Youngtown, USA · CC BY-SA 2.0FEMA puts Youngtown’s expected hazard damage per building above that of 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Youngtown gets a D for hazard risk: higher expected damage per building than 94% of U.S. towns, #124 of 140 in Arizona. Most of that expected damage is river and rain flooding (97%). Flood insurance has paid 1 claim 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 Youngtown 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 Youngtown’s grade
River and rain flooding is 97% of the building damage FEMA expects in Youngtown, and Youngtown’s rate of river and rain flooding damage is in the top 2% of U.S. census tracts.
D #124 of 140 in Arizona; higher expected damage per building than 94% of U.S. towns (21,298).
Youngtown’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, Youngtown has more expected damage per building than 88% of Arizona towns.
In dollars, FEMA expects about $4.1M a year in losses across Youngtown: $2.5M to buildings, the rest to people and crops.
Does Youngtown flood? Rarely: 1 flood claim since 1978
Every paid claim on a federal flood insurance policy in Youngtown, from FEMA’s records: 0.4 per 1,000 homes, fewer than 93% of the 13,809 U.S. towns with a flood insurance record.
Youngtown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Maricopa County.The storms Youngtown remembers
None of the 12 disasters declared for its 2 counties shows FEMA aid or repair money reaching Youngtown itself in FEMA’s records, so these are its biggest flood-claim years.
- 19781 flood claims paidThe year of Severe Storms and Flooding, declared for its 2 counties
Its 2 counties have 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 11 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in its 2 counties, 2005–2024.
Old photos of Youngtown after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Youngtown archive →Youngtown and its neighbors
Youngtown is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
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 Youngtown 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 Youngtown
Is Youngtown at risk for natural disasters?
On FEMA’s National Risk Index, Youngtown has higher expected damage per building than 94% of U.S. towns: D for hazard risk, #124 of 140 in Arizona. Most of the expected damage is river and rain flooding (97%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Youngtown flood?
Flood insurance has paid 1 claim in Youngtown since 1978, $2K in all, or 0.4 per 1,000 homes, fewer than 93% of U.S. towns with a flood insurance record.
Is Youngtown 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 Maricopa County, 29% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Youngtown?
FEMA’s Community Rating System list shows no discount for Youngtown’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Youngtown at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (97%), and Youngtown’s rate for it is in the top 2% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Youngtown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Youngtown’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.