Enter any Arizona address to see its FEMA flood zone designation
Arizona's flood risk is primarily characterized by flash flooding, which accounts for the vast majority of flood events and associated fatalities over the past three decades. While less frequent, general flooding also occurs.
Recent federal disaster declarations for flooding in 2021, 2022, and 2024 indicate recurring flood impacts across the state. These declarations, often linked to severe storms, highlight the dynamic nature of flood threats.
National Flood Insurance Program data suggests that properties in Zone A experience the most claims, though Zone X properties have a higher average claim cost. Zone D, while having very few claims, shows the highest average claim amount, indicating potential for significant damage in these areas. Residents in all zones, particularly those in A and X, should consider flood insurance to mitigate financial risk.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data.
Arizona has received 346 federal disaster declarations, including 83 flood and coastal storm declarations.
FEMA designates flood zones across Arizona using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk zones.
Properties in Arizona FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
The average NFIP premium in Arizona is approximately $677 per year. Rates vary significantly based on flood zone, building elevation, and coverage amount.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Arizona residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
See the most flood-prone counties in Arizona →
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