Natural Disaster Risk in Fort Thomas
Arizona
Risk Summary for Fort Thomas
Fort Thomas scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Fort Thomas, Arizona
Fort Thomas, in Graham County, is a small unincorporated community situated in the arid interior West. 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 Fort Thomas residents and property owners must navigate.
According to FEMA's National Risk Index, Fort Thomas carries an overall risk score of 5.6/10, placing it in the moderate category. Extreme heat is the top natural hazard concern, with summer temperatures regularly reaching dangerous thresholds that pose serious health risks, particularly for elderly and outdoor workers. The area also faces notable exposure to wildfire and lightning.
Within Arizona, Fort Thomas's risk is, slightly below the 6.1/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Graham County identifies heat as the foremost hazard, followed by wildfire and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Fort Thomas residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for heat is recommended.
What this means for Fort Thomas: Extreme Heat preparedness
- Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.
- Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.
- Check on elderly neighbors and never leave children or pets in parked vehicles.
Local Factors for Fort Thomas
These city-level factors differentiate Fort Thomas from other communities in Graham County and provide geographic context for its hazard exposure.
Population
355
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 33.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 9.5/10
Coordinates
33.1406° N, 110.0033° W
Graham 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 Fort Thomas
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Fort Thomas
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.