🌍 ClimateRiskCheck

Natural Disaster Risk in Chinle

Arizona

6.4out of 10
High Risk

Risk Summary for Chinle

Chinle scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Wildfire Volcanic Activity

All 18 Hazard Scores

Lightning
9.9
Wildfire
9.8
Volcanic Activity
9.6
Landslide
9.4
Winter Weather
9.2
Avalanche
9.1
Earthquake
7.2
Cold Wave
6.7
Ice Storm
6.1
Drought
5.6
Extreme Heat
5.4
Tsunami
5.4
Coastal Flooding
4.9
Hurricane
4.1
Strong Wind
2.0
Hail
2.0
Tornado
1.6
Riverine Flooding
1.0

How it compares

Chinle
6.4
Arizona avg.
6.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Chinle, Arizona

Chinle, in Apache County, is a town of roughly 9,911 residents situated in the Great Plains. Its desert climate brings intense summer heat and very low annual precipitation, and in particular a summer monsoon season bringing flash flood risk. These conditions collectively define the natural hazard environment that Chinle residents and property owners must navigate.

According to FEMA's National Risk Index, Chinle carries an overall risk score of 6.4/10, placing it in the high category. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. The area also faces notable exposure to wildfire and volcano.

Within Arizona, Chinle's risk is, near the 6.1/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Apache County identifies lightning as the foremost hazard, followed by wildfire and volcano. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Chinle residents benefit from taking preparedness seriously. Reviewing insurance coverage for lightning and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Chinle: Lightning preparedness

  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.
  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.

Local Factors for Chinle

These city-level factors differentiate Chinle from other communities in Apache County and provide geographic context for its hazard exposure.

Population

9,911

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.8/10

Coordinates

36.2026Β° N, 109.6822Β° W

Apache County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Chinle

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Chinle

Other cities in Arizona

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.