Graham County, AZ: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Graham County scores at the 67.9th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.7 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Graham County's flood-insurance compliance gap
Out of 1,169 homes FEMA counts inside Graham County's mapped flood zone, 183 carry the flood policy federal law requires there — 15.7% compliance, short of full coverage. Looking beyond the mandated zone, 1.6% of all residential structures in Graham County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Graham County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Graham County ranks 1052 — 1 being the highest hazard nationally — and 1185 by population among all 3144 counties covered here, where 1 is the largest. About 40,242 people live in Graham County, Arizona, spread over 4,621.877 square miles.
What to do next if you own or are buying in Graham County
FEMA counts 13,248 residential structures in Graham County overall, 209 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Graham County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.