Santa Cruz County, AZ: home risks and climate
FEMA’s National Risk Index rates Santa Cruz County “Relatively Moderate” for overall risk relative to other US counties, 10th of 15 counties in Arizona by risk score. The hazards rated Relatively High or Very High here are heat wave, wildfire and lightning. These are relative ratings, not probabilities.
We show it so you can use it, but it is not listed in search until more of its sources are on file (missing: decision-delta).
Santa Cruz County, AZ
- Use surge protection for electronics; ask an electrician about a whole-home surge protector.
- Keep trees near the house healthy and trimmed.
- Unplug sensitive electronics before a storm if you can.
- Clear dead leaves and needles from gutters, the roof and under decks.
- Keep the first 5 feet around the house free of anything that burns (mulch, firewood, plants).
- Cover vents with 1/8-inch metal mesh to keep embers out.
- Service the AC before the hot season and clear the outdoor unit of debris.
- Change the AC filter; a clogged filter cuts cooling.
- Plan a cool place to go if the power or AC fails.
- Look up your FEMA flood zone, and remember that "minimal hazard" zones still flood.
- Raise or move valuables, the furnace and the water heater off a basement floor where you can.
- Test the sump pump and its backup before the wet season.
- Trim dead or overhanging branches before storm season.
- Check that gutters, siding and roof edges are fastened tight.
- Tie down or store outdoor furniture, grills and trampolines.
- Watch for new cracks in foundations, walls and door frames; drought shrinks clay soils.
- Fix running toilets and dripping faucets.
- If you have a well, know its depth and recent yield.
- Watch for new cracks in the ground, tilting trees or fences, and doors that stick.
- Keep gutters and drains directing water away from slopes.
- Know the signs of a debris flow during heavy rain.
- Fit storm shutters or pre-cut, labeled plywood panels and store the fasteners with them.
- Photograph every room and your roof before the season starts, for your insurance file.
- Know your evacuation zone and where you would go.
- Pick the safe room: lowest floor, interior, no windows. Tell everyone in the house.
- Keep shoes, a flashlight and a helmet for each person there.
- Turn on wireless emergency alerts on every phone.
- Photograph the roof and siding now, so you have a dated before picture.
- Ask about impact-rated (UL 2218 Class 4) shingles when the roof is replaced.
- Know your policy’s wind and hail deductible in dollars.
- Clean gutters so melting snow drains instead of forming ice dams.
- Check attic insulation and air sealing; warm attics cause ice dams.
- Keep a snow shovel, ice melt and a backup heat plan.
- Strap the water heater to the wall with two straps.
- Secure tall furniture and TVs to studs.
- Know how to shut off gas at the meter, and only do it if you smell gas.
- Know whether your home or access road crosses avalanche paths.
- Follow local avalanche center forecasts in winter.
- Keep supplies for being snowed in for several days.
Winterize outdoor faucets before ~Nov 17. Typical first 32°F night (50% date) at Nogales International Airport, 12 km away. Last freeze ~Mar 20.
Radon Zone 2: moderate predicted indoor radon. EPA recommends testing every home, whatever the zone.
- This weekBefore the first freeze (~Nov 17): disconnect hoses and drain outdoor faucets.
- This monthPress the test button on every smoke and CO alarm.
- This monthCheck the date on the back of every smoke and CO alarm.
- This monthLook under every sink and around toilets and the water heater for drips.
- This monthOn flat or low-slope roofs, check the coating and drains before the winter rains.
- WatchLook in the attic with a flashlight after the first big storm of the season.
What the records say
Plain-language summary of the numbers below, compared with Arizona and the US.
By FEMA’s hazard scores (0 to 100, the share of US counties scoring lower), heat wave scores 99.0, wildfire scores 98.1 and lightning scores 88.4 in Santa Cruz County, and modeled expected annual losses from all hazards come to about $42.5 million a year across 47,632 residents.
There have been 8 federal disaster declarations covering Santa Cruz County in the OpenFEMA record, below the Arizona county median of 15 and below the national county median of 20; 2 came in the last ten years. The most recent was covid-19 pandemic (2020-04-04).
Santa Cruz County is part of the Nogales, AZ micropolitan area.
Flood-insurance (NFIP) records list 161 claims in Santa Cruz County, close to the Arizona county median of 150, 16 of them in the last ten years. Of claims with a recorded zone, 28% were outside the mapped high-risk flood zone.
Santa Cruz County sits in climate zone 3B (warm-dry) in the hot-dry Building America region and EPA radon zone 2.
At Nogales International Airport (12 km from the county’s center), the typical first 32°F night is around Nov 17 and the last around Mar 20 (50% dates, 1991–2020), which sets when to winterize outdoor faucets.
All 18 hazards
FEMA National Risk Index December 2025. Ratings and scores are relative to other US counties, not probabilities. Expected annual loss is FEMA’s modeled average across buildings, people and agriculture.
| Hazard | Risk rating | Risk score | Expected annual loss | Recorded events | Prepare |
|---|---|---|---|---|---|
| Heat wave | Relatively High | 99.0 | $15.8M | 47 | Checklist |
| Wildfire | Relatively High | 98.1 | $7.9M | — | Checklist |
| Lightning | Relatively High | 88.4 | $631,420 | 86,878 | Checklist |
| Inland flooding | Relatively Moderate | 87.4 | $17.6M | 77 | Checklist |
| Landslide | Relatively Low | 69.1 | $3,145 | — | Checklist |
| Drought | Relatively Low | 54.5 | $116,938 | 1,505 | Checklist |
| Strong wind | Relatively Low | 28.8 | $162,573 | 35 | Checklist |
| Earthquake | Very Low | 43.5 | $109,827 | — | Checklist |
| Avalanche | Very Low | 31.0 | $67 | 0 | Checklist |
| Winter weather | Very Low | 18.9 | $9,512 | 70 | Checklist |
| Hurricane | Very Low | 17.3 | $2,740 | 6 | Checklist |
| Hail | Very Low | 9.9 | $18,339 | 14 | Checklist |
| Tornado | Very Low | 8.7 | $29,688 | 1 | Checklist |
| Cold wave | No Rating | 0.0 | $0 | 0 | Checklist |
| Coastal flooding | Not Applicable | — | — | — | Checklist |
| Ice storm | Not Applicable | — | — | — | Checklist |
| Tsunami | Not Applicable | — | — | — | Checklist |
| Volcanic activity | Not Applicable | — | — | — | Checklist |
Federal disaster declarations
Each county-level declaration in OpenFEMA DisasterDeclarationsSummaries v2, counted once per disaster number.
| Declared | Event | Type |
|---|---|---|
| 2020-04-04 | COVID-19 pandemic | DR · Biological |
| 2020-03-13 | COVID-19 | EM · Biological |
| 2005-09-12 | Hurricane Katrina evacuation | EM · Hurricane |
| 2002-04-30 | Az-ryan-wildfire-4/30/2002 | FM · Fire |
| 2000-10-27 | Severe storms and flooding | DR · Severe Storm |
| 1993-01-19 | Severe storms, tornadoes & flooding | DR · Flood |
| 1983-10-05 | Severe storms & flooding | DR · Flood |
| 1977-11-04 | Severe storms & flooding | DR · Flood |
Flood-insurance claims (NFIP)
Claims filed under the National Flood Insurance Program, from FEMA’s NfipClaims v3 dataset (all years on file), by year of loss.
Inside vs outside the mapped high-risk zone
By the rated flood zone recorded on each claim. Claims outside the high-risk zone are a reminder that “minimal hazard” is not “no hazard”. Check your own zone with an address in the Snapshot.
Climate, radon and freeze
This month’s plan for Santa Cruz County
Region tasks plus this county’s hazard ratings and freeze dates. Add your ZIP and systems on the Home Plan page to subscribe in your calendar.
November7 tasks
- This weekBefore the first freeze (~Nov 17): disconnect hoses and drain outdoor faucets.
Water left in a hose bib can freeze, split the pipe inside the wall, and only leak when you turn it on in spring.
How
Remove hoses, close the indoor shutoff valve for each outdoor faucet if you have one, and open the outside faucet to drain it.
- This monthPress the test button on every smoke and CO alarm.
An alarm you have not heard in months may have a dead battery or sensor. NFPA recommends testing smoke alarms at least once a month.
How
Hold the test button until it sounds. Anything silent or chirping: replace the battery, or the whole alarm if it is past its date.
- This monthCheck the date on the back of every smoke and CO alarm.
Smoke alarms wear out: NFPA advises replacing them 10 years after the manufacture date. CO alarms have their own end-of-life date printed on them.
How
Twist each alarm off its base and read the date. Replace any past its life; swap batteries in alarms that take them.
- This monthLook under every sink and around toilets and the water heater for drips.
Slow leaks rot cabinets and subfloors long before they show. Catching one early is a washer, not a floor.
How
Use a flashlight: feel supply lines and the shutoff valves, look for stains, warped cabinet floors or a toilet that rocks.
- This monthOn flat or low-slope roofs, check the coating and drains before the winter rains.
Sun cracks roof coatings, and blocked scuppers pond water on the first storm.
How
From a safe access point, look for blistered or cracked coating and clear debris from drains and scuppers.
- WatchLook in the attic with a flashlight after the first big storm of the season.
Stains on the roof deck, wet insulation or daylight around vents show leaks early, and droppings show pests.
How
Stay on the joists. Look around chimneys, vent pipes and valleys, the places most leaks start.
- WatchRun the heat once before you need it; book a check if it has been a year.
Heating sits idle for most of the year in warm climates and cold snaps arrive fast. A short test run finds problems while repairs are easy to book.
How
Switch to heat, raise the setpoint a few degrees and confirm warm air within a few minutes. A brief dusty smell is normal.
December3 tasks
- This monthPress the test button on every smoke and CO alarm.
An alarm you have not heard in months may have a dead battery or sensor. NFPA recommends testing smoke alarms at least once a month.
How
Hold the test button until it sounds. Anything silent or chirping: replace the battery, or the whole alarm if it is past its date.
- WatchDegrease the range-hood filter.
Grease-clogged hood filters stop pulling smoke and grease out of the kitchen and can feed a stovetop fire.
How
Pop the metal filter out and soak it in hot water with dish soap and baking soda, or run it through the dishwasher if the maker allows.
- WatchReset sprinkler schedules for the cool season and test the rain sensor.
Lawns need far less water in winter; overwatering wastes water and keeps foundations wet.
How
Cut run times, check each zone for broken heads, and press the rain sensor test if it has one.
Neighbouring counties
Information, not insurance, legal or engineering advice. Ratings describe the county as a whole; your address can differ. Found an error? Send a correction.