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Manzanita Insurance

1456 W. Gurley St,
Prescott, AZ 86305

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Arizona Flood Insurance Coverage

Flood Insurance in Arizona

A standard home insurance policy does not pay for damages caused by inclement weather or other natural disasters. This means that you are on your own if your home in Arizona suffers damage because of flooding.

In most cases, you can purchase additional coverage for natural disasters from the same indemnity company that provides your standard home insurance plan. Many companies offer coverage through the National Flood Insurance Program (NFIP), which is a federally supported option specially made for homeowners who live in areas prone to flooding.

Is flood insurance required in Arizona?

Those living in Prescott, AZ and other parts of the state may be surprised to learn that flood insurance is required in Arizona.

Monsoon season brings heavy and consistent rain that ultimately raises the risk of flooding. The federal government, because of the state’s overall landscape, classifies water as a flood in Arizona if it reaches over one foot. The result of flash floods alone could render more than a foot of downpour. Thus, you need a flood insurance plan if you hope to remain compliant with the law.

How much insurance do you need?

The amount of flood insurance you purchase depends on several factors, which are not limited to:

  • How much you are willing to pay in monthly premiums
  • The value of your home
  • The value of your possessions inside the dwelling place

You should not automatically go for the most economical plan as such a policy may not be enough protection when the unexpected becomes reality. Purchasing the most expensive policy may also not be the best strategy.

An agent at Manzanita Insurance can help you better understand flood insurance so you purchase the right plan to satisfy your needs. Call today to get started with a quote for coverage!

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