San Luis, Arizona: natural disaster risk
How exposed San Luis is to floods, storms and other hazards, from FEMA and NOAA records for Yuma County.
San Luis is a city of 37,337 people in Yuma County, Arizona. FEMA's National Risk Index rates Yuma County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are earthquake, inland flooding and heat wave, with about $91.5 million in expected losses a year across the county. The weather service has logged 334 storm reports in the county since 1957, including 12 tornadoes and 72 floods. NOAA hurricane records show 0 hurricanes and 2 tropical storms passing within 65 miles of the county's center. About 0.5% of homes in the county carry federal flood insurance.
Risk figures are for Yuma County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in San Luis
Full Yuma County report ›- Ask whether an older house is bolted to its foundation.
- Consider separate earthquake insurance where risk is high.
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Check that cooling works before summer.
- Know where the nearest cooling center is.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Earthquake | $52M | |
| Inland flooding | $32M | |
| Heat wave | $6M | |
| Strong wind | $562K | |
| Drought | $513K | |
| Lightning | $136K | |
| Tornado | $91K | |
| Wildfire | $58K | |
| Hail | $43K | |
| Hurricane | $6K | |
| Landslide | $762 | |
| Volcanic activity | $23 |
Homes in San Luis
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Yuma County
More cities in Yuma County
Common questions about San Luis
Is San Luis safe from natural disasters?
San Luis is in Yuma County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are earthquake, inland flooding, heat wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in San Luis?
By expected yearly losses in Yuma County, the top hazards are earthquake (High), inland flooding (Moderate), heat wave (High). Yuma County has been part of 4 federal disaster or emergency declarations for natural events.
Does San Luis get tornadoes?
Yes. NOAA records list 12 tornadoes in Yuma County since 1950; the strongest was an F2 tornado on August 17, 1959. FEMA rates tornado risk in the county very low.
Do I need flood insurance in San Luis?
Standard home insurance does not cover floods. In Yuma County, about 0.5% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.