295 flood insurance claims·$5.3M paid·5 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
From the National Weather Service, checked 3 minutes ago. Every active flood alert in the U.S. →
| River gauge | Now | Forecast |
|---|---|---|
| Moenkopi Wash near Tuba city | Minor flooding (28.0 ft) | Near flood stage |
Is your address in the flood zone? Search it above for FEMA’s zone and base flood elevation. A new flood insurance policy usually takes 30 days to start (NFIP rule; exceptions include a policy bought when closing a mortgage), so one bought during a flood generally won’t cover it. Homeowners policies don’t cover flood.
Shaded areas are FEMA’s mapped flood hazard zones in and around Coconino County, Arizona. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding from summer thunderstorms and tropical moisture systems dominates the flood character of Coconino County, accounting for 278 flash flood events and 24 deaths compared to 55 standard flood events over the last 30 years. Recent impacts include June 2025, when a cutoff low interacting with residual tropical moisture from former Tropical Storm Alvin triggered training thunderstorms and flash flooding on the Havasupai Reservation and portions of the Grand Canyon. Additionally, remnant moisture from tropical cyclones Priscilla and Raymond in October 2025 caused creek and stream level rises and flash flooding across the area.
National Flood Insurance Program records show claims across multiple zones, led by Zone A with 155 claims averaging $31,337 and an average recorded water depth of 4 inches. Zone X recorded 104 claims averaging $23,180 with an average water depth of 28 inches, while Zone X_UNSHADED saw 19 claims averaging $10,513 with an average water depth of 10 inches. Zone UNKNOWN recorded 13 claims averaging $5,317 with an average water depth of 3 inches, and Zone X_SHADED logged 4 claims averaging $4,102 with an average water depth of 1 inch.
Homeowners, real estate agents, and journalists should pay the most attention to properties located in Zone A and Zone X, which account for the vast majority of insurance claims and significant average water depths, particularly during seasonal thunderstorm and tropical remnant events.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
13% of Coconino County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
178 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 14 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 1993, with 41 claims and $444,913 paid, the year of Severe Storms, Tornadoes & Flooding.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
28 NOAA storm reports from Coconino County describe what happened, in the words of the forecasters who covered it. Read the Arizona flood stories →
24 federal disaster declarations since 1970, 5 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Pipeline Fire | Jun 12, 2022 |
| Tunnel 2 Fire | Apr 19, 2022 |
| Severe Storms And Flooding | Jul 22, 2021 |
| Museum Fire | Jul 22, 2019 |
| Tinder Fire | Apr 27, 2018 |
| Slide Fire | May 20, 2014 |
| Severe Storms And Flooding | Jul 20, 2010 |
| Shultz Fire | Jun 20, 2010 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
333 since 1996: 278 flash floods and 55 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Sep 27, 2025 | — |
| Flash Flood | Aug 26, 2025 | — |
| Flash Flood | Aug 24, 2025 | — |
| Flash Flood | Jul 17, 2025 | — |
| Flash Flood | Jul 16, 2025 | — |
| Flash Flood | Oct 11, 2025 | — |
| Flood | Oct 11, 2025 | — |
| Flash Flood | Oct 10, 2025 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Sep 27, 2025. An early season low pressure system moved into southeastern California and cut off from the main steering flow. Leftover monsoon moisture from the subtropics combined with the stalled low pressure system and brought a 4 day period of severe weather and flash flooding.
Flash Flood · Aug 26, 2025. Deep monsoon moisture led to multiple thunderstorms throughout the day. Some of the storms produced heavy rain that led to flash flooding.
Flash Flood · Aug 24, 2025. Strong monsoon thunderstorms caused wind damage in Yavapai County and some flash flooding in northern Coconino County.
Flash Flood · Jul 17, 2025. Heavy rain upstream caused high runoff in the Paria River watershed.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Coconino County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.