🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 85928

Heber, Arizona

6.8out of 10
High Risk

Risk Summary for ZIP 85928

ZIP 85928 scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Wildfire Winter Weather

All 18 Hazard Scores

Lightning
10.0
Wildfire
9.9
Winter Weather
9.7
Volcanic Activity
9.6
Landslide
9.5
Avalanche
9.1
Earthquake
8.4
Cold Wave
7.6
Ice Storm
6.9
Extreme Heat
6.2
Drought
5.8
Tsunami
5.4
Coastal Flooding
4.9
Strong Wind
4.8
Hail
4.3
Hurricane
2.4
Tornado
1.9
Riverine Flooding
1.0

How it compares

ZIP 85928
6.8
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: ZIP 85928, Arizona

ZIP 85928 in Heber sits in the arid interior West. Its desert climate produces intense summer heat and very low annual precipitation, and notably a summer monsoon season bringing flash flood risk. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 85928 carries an overall risk score of 6.8/10, 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 winter.

Within Arizona, ZIP 85928's risk is, slightly above the 6.1/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Arizona identifies lightning as the foremost hazard, followed by wildfire and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 85928 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 ZIP 85928: 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.

Risk for the surrounding area

Local Factors for ZIP 85928

These city-level factors differentiate ZIP 85928 from other communities in Arizona County and provide geographic context for its hazard exposure.

Population

424

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 34.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.9/10

Coordinates

34.5228Β° N, 110.5506Β° W

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

Recent Climate Data for ZIP 85928

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Arizona

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.