Risk Index · Pima County · 2026-06-13
Tucson, AZ real-estate risk
- Risk score
- 99.1/100
- Relatively High
- Expected annual loss
- $531M
- all hazards, county-wide
- Buildings-only loss
- $381M
- what owners and insurers carry
- Population
- 1.0M
- Pima County
Tucson, AZ (Pima County) carries a FEMA National Risk Index score of 99.1/100, rated "Relatively High" and driven mainly by heat wave and wildfire, with roughly $531M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Heat wave99.8
- Wildfire99.7
- Riverine flood99.5
- Hail91.8
- Earthquake91.7
- Strong wind82.6
- Drought69.6
- Tornado37.5
- Hurricane18.7
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Tucson risk questions
Is Tucson, AZ a high-risk area for real estate?
Tucson scores 99.1/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $531M per year.
What is the biggest natural hazard in Tucson?
The highest-rated hazard is heat wave (99.8/100), followed by wildfire (99.7/100).
How does hazard risk affect property insurance in Tucson?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.