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Protect Your Home with the Best Flood Insurance in Arizona

Did you know that Arizona, despite its desert climate, experiences significant flooding, especially during monsoon season? Whether you live in Phoenix, Tucson, or near the Colorado River, the threat of flash floods and river flooding is real and constant. At Better Flood, we understand the unique challenges faced by Arizona homeowners, and we’re here to provide you with the best flood insurance coverage to protect your most valuable assets.

Our strong flood insurance plans offer peace of mind, knowing that you’re safeguarded against the financial devastation floods can cause. Don’t wait until it’s too late—secure your home and belongings with reliable, affordable flood insurance in Arizona from Better Flood today.

We Get It,

Buying Flood Insurance in Arizona Is Confusing…

You might be asking:

• What coverage do I need?

• How much is flood insurance in Arizona going to cost me?

• How much can I save?

It’s okay, your search for cost-effective AZ flood insurance that doesn’t compromise on coverage ends here.

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Meet The Flood Nerd™

Your AZ Flood Expert, Friend, and Guardian

In 2015, Robert Murphy, inspired to help homeowners and businessowners alike, entered the insurance brokerage market with one goal in mind: To help uncertain Arizona homeowners find affordable, high quality flood insurance that doesn’t compromise on coverage.

We Find You Great Coverage

While Saving You Up To $1,457+ A Year!

What you seek is:

  • Enhanced security for your Arizona Property.

  • Significant savings.

  • Absolute freedom.

  • Unwavering certainty.

  • Memorable moments.

  • Quality family time.

  • Peaceful travels.

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Complete our easy quote form so we can understand your needs & personalize your rates.

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Our team scours insurance companies nationwide to instantly present the best coverage & rate options for your needs.

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If you’re happy with the coverage options, you can sign up easily directly from our online portal.

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Flood Nerds will shop the private flood insurance markets and then compare them to the NFIP, guaranteeing you the better option. We will send you the cheapest flood insurance rates within minutes.

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Paying for low-cost flood insurance is awesome. And letting the Flood Nerds shop your property has other benefits – you can get better coverage while saving money, and you can get it fast.

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Better Flood Insurance is an independent flood insurance broker that shops flood insurance ONLY.  Flood Nerds are Flood insurance experts. We have 5000+ happy clients and 390+ 5-star reviews. 

Arizona’s private flood insurance market

Cochise County, AZ
Average Cost of flood
insurance $766
Willcox AZ
Average Cost of flood
insurance $651
Coconino County, AZ
Average Cost of flood
insurance $650
Flagstaff, AZ
Average Cost of flood
insurance $1,160
Sedona, AZ
Average Cost of flood
insurance $1,274
Gila County, AZ
Average Cost of flood
insurance $1,318
Graham County, AZ
Average Cost of flood
insurance $692
La Paz County, AZ
Average Cost of flood
insurance $618
Chandler, AZ
Average Cost of flood
insurance $618
Gilbert, AZ
Average Cost of flood
insurance $600
Glendale, AZ
Average Cost of flood
insurance $600
Goodyear, AZ
Average Cost of flood
insurance $600
Maricopa County, AZ
Average Cost of flood
insurance $500
Mesa, AZ
Average Cost of flood
insurance $510
Paradise Valley, AZ
Average Cost of flood
insurance $510
Peoria, AZ
Average Cost of flood
insurance $510
Phoenix, AZ
Average Cost of flood
insurance $765
Scottsdale AZ
Average Cost of flood
insurance $483
Surprise, AZ
Average Cost of flood
insurance $545
Tempe, AZ
Average Cost of flood
insurance $545
Bullhead City, AZ
Average Cost of flood
insurance $464
Mohave County, AZ
Average Cost of flood
insurance $487
Winslow, AZ
Average Cost of flood
insurance $742
Marana, AZ
Average Cost of flood
insurance $742
Oro Valley, AZ
Average Cost of flood
insurance $742
Pima County, AZ
Average Cost of flood
insurance $748
Tucson, AZ
Average Cost of flood
insurance $823
Maricopa, AZ
Average Cost of flood
insurance $638
Pinal County, AZ
Average Cost of flood
insurance $638
Nogales, AZ
Average Cost of flood
insurance $1,842
Santa Cruz County, AZ
Average Cost of flood
insurance $850
Camp Verde AZ
Average Cost of flood
insurance $850
Prescott, AZ
Average Cost of flood
insurance $935
Yavapai County, AZ
Average Cost of flood
insurance $712
Yuma County & Yuma, AZ
Average Cost of flood
insurance $917

Does my homeowner insurance cover flooding in Arizona?

A typical Arizona homeowners policy that is with Farmers, State Farm, Allstate, and Progressive, for instance, exclude Arizona flooding as something that is covered. You will need to get a stand-alone flood insurance policy.

FEMA Flood Maps

Do I need flood insurance in Arizona?

Most property owners in Arizona have thought about flood insurance at some point. Usually, when reports of the latest Arizona flooding event. Or maybe you considered it when you bought the property. You need to have a flood insurance policy in place before the looming storm because many flood insurance policies have a waiting period or if flooding is forecasted, the underwriters put a hold on new policies.

Please don’t wait until it is too late to buy.

What if your home or business is in an Arizona flood zone map considered a low-flood risk area? 

You may decide to forgo purchasing flood insurance coverage. 

You may have even been by a real estate agent and some other insurance agents that you don’t need it. 

 

Please consider the fifty years of data our government has collected around AZ flooding. Statistically, 20 percent of all flooding in Arizona every single year comes in areas that are considered low risk.

arizona flood zone map

That is, one-fifth of all claims are in areas considered low-risk. How does this happen?

We saw flooding in these low-risk areas in our last few major storms. Many people have so much damage to their homes (flooding is one of the largest claims you will likely ever have to file), and many people don’t have flood insurance and don’t have the money to fix the damage.

Some plan the asset they thought they would have into their senior years is now costing them forty to ninety thousand to repair the damage. Postponing their financial future, and some may never recover.

Sadly some have to foreclose or abandon their beloved home.  

Don’t get caught buying this lie. 

In order for you to get that government “assistance” the planets and stars must align thusly:

√  The Governor of the state must request a federal declaration of disaster.
√  The President must declare the area a disaster area to make federal assistance available.
√  You must apply for that assistance.
√  Assistance will be in the form of a loan you MUST pay back.
√  That glorious assistance will be about $5,000.

You get a loan of about $5,000 to cover that average of $40,000 to $90,000 in damage.

Now you understand why so many properties are abandoned or foreclosed after having flood damage?

Flooding is the number one natural disaster in the United States ~ If you don’t have flood insurance you face financial ruin.

So while federal assistance is still a vital part of disaster recovery, it is better to have flood insurance rather than relying on a government bailout.

Flood insurance rate maps Arizona

This low-risk flood zone maps many of them are over 30 years old. Arizona, in particular, has many maps that are 30+ years old. If the area has been developed, then there is likely more concrete creating a barrier for water getting into the soil and absorbing the massive downpour. 

Since 1970 Arizona’s population has grown from 1.78 million to 7.23 Million, which is almost twenty-five percent growth, and many people need homes and buildings to work in. 

All this to say that if your Arizona home was built during this time, there is a good chance that your property could be at risk for flooding, and you may not even be aware.

arizona flood zone map

Because of all these factors, it is difficult for property owners to know their true risk of flooding. FEMA admits that their flood maps only give an idea of part of the risk. Our recent storms are facts that it can rain anywhere within Arizona’s borders, and you should consider getting flood coverage, so you are not uninsured when you need it most. 

Fema flood zone maps often take years to go into effect after the terrain was actually studied. This gives the impression that the area is “more up to date” on a new map than it is.

The average cost for flood insurance in Arizona in these Low-risk areas is $667 per year.

So worth it to have coverage and not need it than not to have coverage and wish you had it. 

If your lender doesn’t require flood insurance for your Arizona property, it DOES NOT mean you are safe from flooding. 

FEMA’s National Flood Insurance Program (NFIP), and all federally backed lenders rely on these maps to assess risk, set premiums and determine who is required to purchase flood insurance. 

Bad information about an area’s flood risk can leave property owners under or uninsured. 

Lenders should demand updated maps.

 

What are my flood insurance options in Arizona?

Arizona NFIP flood insurance.

There are many options available in Arizona regarding flood insurance, but they fall into two main categories. 

The NFIP / FEMA policy

1_The National Flood Insurance Program (NFIP), also known as FEMA which, is the Government option for flood insurance and has enjoyed a 50-monopoly on the flood insurance market. 

Not private flood insurance but NFIP Resellers

Suppose you have Nationwide flood insurance, State Farm Flood Insurance, Progressive Flood Insurance or any of the logos below. In that case, you are buying the NFIP flood policy that is just being resold through a government program. These companies are private companies but their flood insurance is not. Here is a list of the 70 companies that resell the NFIP policy.

Not Private flood Insurance

Arizona’s private flood insurance market

There are alternatives to the NFIP, or government flood insurance for Arizona, and this is called the private flood insurance market, most notably Lloyd’s of London Flood insurance. However, there are other options for alternative flood insurance to the NFIP available in AZ. 

We shop all the options for your property in your region of Arizona to ensure you are getting the best premium. Click here if you are ready to have us do the work for you. 

Our shopping will include the NFIP because sometimes we find that you can get a much better premium on the National Flood Insurance Program with government subsidies.

Lloyd’s of London flood Insurance Market in Arizona

Arizona is fortunate to have many Lloyd’s of London flood insurance options. Although many of these Lloyd’s flood insurance companies will have you assume that theirs is the only option – nothing could be further from the truth.

Lloyd’s of London has a rich history attributed to having invented the first modern insurance model. 

Unlike most of its competition, Lloyd’s of London is not a company but a corporate body. This structure works quote well obviously since it has been around for over 330 years. 

Lloyd’s operates under multiple financial backers pooling their capital to spread the risk. So if you have Lloyd’s policy, then you have the backing of One-hundred and Twenty Billion on your side ($120,000,000,000+)

 

We Flood Nerds like to say “God said he wouldn’t flood the world again and Lloyd’s of London takes him at his word”. Now you know what makes a Flood Nerd laugh.

But getting the right flood insurance is no laughing matter. There are so many options and it’s easy to confuse the private flood insurance market with that NFIP re-sellers. That’s why you need to hire a Flood Nerd to get cheap flood insurance in Arizona. 

We shop many of the options for your property in your region of Arizona and ensure you get a great premium. We’ll even check out the NFIP to make sure that all the bases are covered.

Flood Zone X – Arizona Low-to Moderate Risk Zone

Lenders don’t require flood insurance in this zone. But remember, floods happen in low-risk zones, and the map may be old.

We usually suggest the government Preferred Risk Policy (PRP) for properties in the X Flood Zone. The government subsidizes a portion of the premium and limits the coverage, which keeps the rates low. The average cost for PRP flood insurance in Arizona with the maximum set limits in low-risk flood zone areas is $700 – $900 per year.

Flood Zone AE in Arizona

A higher-risk flood zone is Flood Zone AE. 

If your property is in flood zone AE, your lender will require you to have flood insurance. 

The cost of flood insurance in Arizona in this zone depends on factors unique to the structure.

For example, let’s look at a house built on a slab on a grade foundation. The Base Flood Elevation (BFE) is 1269.8 and was built in 1959. The policy is for flood coverage at the NFIP maximum of $250,000 for the building. It doesn’t include contents and the deductible is our recommended amount of $5,000. 

Our example is in Scottsdale, AZ, but the premiums will be the same in Phoenix, Maricopa, Tucson, Willcox, Flagstaff, Sedona, Gilbert, Glendale, Goodyear, Masa, Nogales, Prescott, and many other Arizona Cities and Counties flood zone AE.

Flood insurance companies in Arizona

NFIP option in Arizona Flood Zone AE

Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible

Arizona NFIP Annual premium in High-Risk flood zone is $2,022.00

This option is what we see if the property has had a flood loss before, and either doesn’t have an Elevation Certificate applied or the Elevation certificate showing that the lowest floor is 4 feet under the BFE and often times in an unnumbered A flood zone. You can use 10% of your coverage to cover other structures on your property

Arizona Private flood insurance – Lloyds of London Flood Insurance (option 1)

Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible

Arizona Lloyds of London (option 1)  Annual premium in High-Risk flood zone is $851.40

This option is great and we are very happy when we can get this option. They can be a bit choosy about what risk they will accept, and will not take anything that has had a flood loss. They do offer coverage for basements. And about $2,000 for loss of use. $2,000 for other structures can’t increase this coverage. They do not require an Elevation Certificate to rate.

Base Flood elevation Oregon

Arizona Private flood insurance – Lloyd’s of London Flood Insurance (option 2)

Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible

Arizona Lloyd’s of London (option 2)  Annual premium in a High-Risk flood zone is $1,109.40

This option is great and we are very happy when we can get this option for our clients as well. They seem to be writing almost all risks, however, they do not write any property that is in a designated floodway or has the depth of -4 under the BFE in our example with our BFE being 1269 if the lowest floor is 1265 then they will not accept this risk, they will not take anything that has had a flood loss. They do offer limited coverage for basements. Do not require an Elevation Certificate to rate. And as a percentage of coverage for loss of use. If you want coverage for other structures then that will need to be added.

Arizona Private Flood insurance option (option 3)

Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible

Arizona Private flood insurance (option 3) Not Lloyds, Alternative to NFIP

The annual premium in a High-Risk flood zone is $2,196.54

This option will take properties that have had one flood loss before as long as it has been more than five years and the payout was under $100,000 on the claim. Their coverage matches the NFIP.  Will write practically all risks, don’t need an elevation certificate to rate and are a bit lower in premium than the NFIP.

Private Flood Insurance –  Lloyd’s of London (option 4)

This option has to be written on the Replacement Cost Value (RCV) of the building otherwise there is a co-insurance penalty that kicks in. So $250,000 might be a bit low in Arizona but to keep this going let’s just use that for this option

Coverage of $250,000 (RCV) building coverage, 20% Contents coverage standard, 10% other structures and 10% loss of use and $5,000 deductible

The annual premium in a High-Risk flood zone is $5,184.00

This options rating system is all over the board sometimes we get a crazy great price other times the premium is way higher than the NFIP will consider taking a property that has had one flood loss before as long as it has been more than ten years and the payout was under $150,000 on the claim. Their coverage must be at Replacement cost which is a bit different from some of our other Lloyd’s flood options we usually reserve this one if the property doesn’t fit into any of our options above. We can adjust coverages to control premium. As mentioned before this underwriter’s rates are all over the board it is worth shopping through to make sure we are getting you the best premium we can. They don’t need an elevation certificate to rate.

 

How much does Flood Insurance in Arizona?

COST OF FLOOD INSURANCE IN ARIZONA

Currently, the state of Arizona has had 31,210 NFIP policies in force to date with the total cost of $20,785,412 that would make the average for our state $667 of course, some will pay more and some will pay less.


COST OF FLOOD INSURANCE IN COCHISE COUNTY, AZ

Cochise County, AZ you have 565 flood policies and are paying the total of $432,856 to the federal government for your flood insurance and this makes your average cost $766. If you are paying more it might be a good idea to let us shop for a new policy.

COST OF FLOOD INSURANCE IN WILLCOX, AZ

City of Willcox AZ your average is $651 with 287 policies and paying the total of $186,566


COST OF FLOOD INSURANCE IN COCONINO COUNTY, AZ

Coconino County, AZ  has 377 NFIP policies and are paying $245,363 making your average $650.

COST OF FLOOD INSURANCE IN FLAGSTAFF, AZ

Flood insurance Flagstaff Arizona, you are paying the average of $1160 for flood coverage through the NFIP. I think you might do better on the private flood insurance market. Let us flood nerds help you out. 1-866-990-7482. You have 407 flood policies and paying collectively $472,260.

 

COST OF FLOOD INSURANCE IN SEDONA, AZ

Sedona, AZ you have 184 flood policies and are paying the total of $235,360 making your average flood policy $1,274. It seems that the New Age shops, Spas and Art Galleries might be distracting you from finding a better premium for your flood insurance thats ok we can do the shopping while you are at the spa.

COST OF FLOOD INSURANCE IN GILA COUNTY, AZ

Gila County, AZ you have the 253 FEMA flood policies and are paying the grand total $333,637 with the average flood policy of $1,318. Try us out for a free quote www.betterflood.com/quote


COST OF FLOOD INSURANCE IN GRAHAM COUNTY, AZ

Graham County, AZ you have 178 National flood insurance program policies are paying the total of $123,222 to the federal program making the average policy $692.

COST OF FLOOD INSURANCE IN LA PAZ COUNTY, AZ

La Paz County, AZ you have 253 flood policies and is paying the total of $156,436 to FEMA making your average flood policy $618. If you are paying more than this it might be time to shop.


COST OF FLOOD INSURANCE IN CHANDLER, AZ

Chandler, AZ $618 is the average flood policy for this are If you aren’t paying this amount or if your NFIP premium jumps way up (+25% is forecasted in the near future) it might be a good idea to keep your options open and let the flood nerds shop. You have 253 flood policies and are paying  a total of $156,436

COST OF FLOOD INSURANCE IN GILBERT, AZ

COST OF FLOOD INSURANCE IN GLENDALE, AZ

COST OF FLOOD INSURANCE IN GOODYEAR, AZ

Gilbert, Glendale & Goodyear AZ. Combined you have 887 flood policies and are paying $531,315. Bringing your average to $600.

 

COST OF FLOOD INSURANCE IN MARICOPA COUNTY, AZ

Flood insurance Maricopa County AZ. With combined flood policies of 2,771 and paying a total of $1,353,187. The average cost of flood insurance in this area is $500. Your area is fast growing and according to this article at the greatest risk for flooding in the future.

COST OF FLOOD INSURANCE IN MESA, AZ

COST OF FLOOD INSURANCE IN PARADISE VALLEY, AZ

COST OF FLOOD INSURANCE IN PEORIA, AZ

Mesa, Paradise Valley, and Peoria, AZ your average flood policy is around $510 with 863 combined flood policies with NFIP and paying the total of $439,979.


COST OF FLOOD INSURANCE IN PHOENIX, AZ

Flood insurance Phoenix, AZ with 4,510 active flood insurance policies and paying $3,450,659 total for the NFIP coverage. The average policy is $765. If you are not seeing better than this price then let us see what we can do for you. We guarantee to shop the policy to all validate options within your region so you get a fair picture of what flood insurance should cost in your area.  

COST OF FLOOD INSURANCE IN SCOTTSDALE, AZ

Flood insurance Scottsdale AZ you have 7,926 flood policies and are paying about that much in premium $3,828,644. Your average is about $483. If you are paying more than this it would be a good idea to let us shop to see if we can get you a better premium.  

COST OF FLOOD INSURANCE IN SUPRISE, AZ

COST OF FLOOD INSURANCE IN TEMPLE, AZ

Surprise & Tempe AZ -Your flood insurance average is $544.88. With 393 NFIP flood policies and paying a total of $214,138.

COST OF FLOOD INSURANCE IN BULLHEAD, AZ

Bullhead City AZ, you have 381 flood policies and are paying the total of $176,957 to the federal government. You have one of the best rates for flood insurance in Arizona and in Maricopa County, your average being $464.


COST OF FLOOD INSURANCE IN MOHAVE, AZ

Mohave County AZ you have 554 flood policies and are paying $270,174. The average AZ flood insurance policy for this area is $487.

COST OF FLOOD INSURANCE IN WINSLOW, AZ

COST OF FLOOD INSURANCE IN MARANA, AZ

COST OF FLOOD INSURANCE IN ORO VALLEY, AZ

Winslow, Marana, and Oro Valley, AZ combined you also have 713 flood policies and are paying $528,951. With the average flood insurance policy being $742 if you want to see if we can save you money and I think we can start by filling out our intake form to get us shopping.

COST OF FLOOD INSURANCE IN PIMA COUNTY, AZ

Pima County Arizona Flood insurance policies average flood policy in this area is $748. With 2,100 flood policies and paying $1,571,424 to the federal program.

COST OF FLOOD INSURANCE IN TUCSON, AZ

Flood Insurance Tucson AZ you have 1,444 NFIP policies and paying the grand total of $1,189,746 to bring your average to $823


COST OF FLOOD INSURANCE IN MARICOPA, AZ

COST OF FLOOD INSURANCE IN PINAL COUNTY, AZ

City of Maricopa and Pinal County, AZ combined you get 844 flood policies and are paying the total of $475,364 to bring your average to $638.

COST OF FLOOD INSURANCE IN NOGALES, AZ

Nogales AZ you have 222 flood policies with the average flood insurance cost being $1,842 and the total payment $409,074. Lets shop for a better premium.


COST OF FLOOD INSURANCE IN SANTA CRUZ COUNTY, AZ

COST OF FLOOD INSURANCE IN CAMP VERDE, AZ

Santa Cruz County and Camp Verde AZ combined you have 588 flood policies, $499,884 is what you are shipping to DC in the form of flood premiums bringing your average to $850.

COST OF FLOOD INSURANCE IN PRESCOTT, AZ

Flood Insurance Prescott AZ. You have 575 active flood policies and are paying the total of $360,182 making the average flood insurance cost $935

COST OF FLOOD INSURANCE IN YAVAPAI COUNTY, AZ

Flood Insurance in Yavapai County Arizona you 997 flood policies and are paying the total of $710,763. This would make your average $712. If you aren’t seeing this premium lets see what we can do about it.

COST OF FLOOD INSURANCE IN YUMA, AZ

COST OF FLOOD INSURANCE IN YMMA, AZ

Yuma County and Ymma City, Arizona. Your average flood insurance cost is $917. With 523 flood policies and paying the NFIP the total of $488,252

Arizona Flood Insurance Policies

Currently, there are more than 35,000 flood insurance policies in force in the State of Arizona considering both Private and government programs. This figure has steadily increased over the years as new homes are being built as populations grow. The south-central region of Arizona is a magnet for most of the severe weather.

Arizona families and business owners need to purchase flood insurance to help safeguard their homes and assets.

The NFIP has made flood insurance available to more than twenty thousand communities in the United States. Arizona has a growing Private flood insurance market. Although federal assistance is still a vital part of disaster recovery, it is much better to have flood insurance rather than wishing or hoping that the government will bail you out.  

For decades, the NFIP has over-charged 50 percent of its policyholders and under-charged the other 50 percent, while it has racked up $42 billion in taxpayer-funded losses, equating to more than half of every claim paid by the NFIP since 1978.

About 30 percent of NFIP claims payments go to the same 3 percent of insured “repetitive loss” structures year after year. When you do the math, this means that the other 97 percent of their flood-exposed constituents could have paid in less and still netted larger claims payouts if they had better access to private flood insurance. In fact, a recent white paper by Milliman found that 90 percent of homes in Sandy-struck New York and New Jersey would see reduced flood insurance rates through private insurers.


Robert Murphy The flood nerd
ROBERT MURPHY
Robert Murphy is the Founder of Better Flood Insurance a nationwide Flood Insurance Agency. He is a flood nerd, and is passionate about education about the need for Flood Insurance.
We shop all options to make sure we are getting our clients the best coverage at the best price.

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