Flood insurance in Arizona: cost by ZIP code and county
Arizona has only 14,977 single-family flood policies; the median bill on July 31, 2026 was $985, below the national median.
Median single-family flood bill, Arizona
$985
14,977 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,116 |
| Policies still below their full-risk price | 48 % |
| Median paid in August 2023 | $760 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $5,580 |
| Median claim paid, 2016 to 2025 (372 claims) | $16,261 |
Compiled by Radif Partners · Where the numbers come from · 243 ZIP codes and 15 counties of Arizona in FEMA's tables · not a quote
In Arizona, the median single-family flood bill was $985 a year on July 31, 2026, including the Reserve Fund Assessment, HFIAA surcharge and Federal Policy Fee, across just 14,977 policies for a state of several million people. FEMA's 2023 exposure table counts no surge or coastal erosion exposure at all in the state. The state's bills are already near full price, with a full-risk median of $1,116 and 48 % of policies still capped. Maricopa County, which includes Phoenix, holds 7,769 policies at a median $917. Coconino County, which includes Flagstaff, pays more, with a median of $1,252. Claims are rare, 372 paid on single-family homes from 2016 to 2025, but the median, $16,261, equals about 17 years of the median bill.
A small claims file
The federal claims file holds only 372 paid single-family claims for the whole decade, against 381,068 nationally, and no single event in it accounts for more than a handful of homes. Losses split evenly between mapped high-risk areas and the rest: 185 claims in A zones, 185 in X, B or C zones.
One unusual feature: Arizona's X zone policies cost slightly more at the median, $1,025, than its A zone policies, $979. In this state, the zone label on its own is a poor guide to what a given house will pay.
Burn scars and the waiting period
The claims data for 2022 lists the Arizona Burn Scar Flash Flooding among the state's events. Federal law has a specific exception for this case. A new policy normally takes effect 30 days after purchase, but a privately owned property flooded because of post-wildfire conditions on federal land can be covered after one day, if the policy was bought by the fire containment date or within 60 days after it (42 U.S.C. 4013(c)).
Is a flood covered this many days after buying a policy?
Would the policy pay for that flood?
No
| Rule applied | Standard 30-day wait |
| Waiting period | 30 days |
Where Arizona bills are highest
Coconino County, which includes Flagstaff, leads the large counties. It has 598 policies at a median of $1,252, and its full-risk median is $1,787; 58 % of those policies are still capped, the largest share among the big counties. Its bills will keep rising toward that full-risk level at the capped pace.
Pima County, which includes Tucson, pays a median $1,086 and Yavapai County, which includes Prescott, $1,182. The widest gap in FEMA's 2023 county tables was in La Paz County, where the median full-risk price was $4,598 against $828 paid, on only 187 policies. Statewide, 83 % of the 2023 full-risk prices were under $2,000. For how this compares with other states, see flood insurance by state.
The Arizona counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Maricopa County | 7,769 | $917 | $1,012 | 47 % | 1 | $689 | $16,590 |
| Pima County | 2,226 | $1,086 | $1,431 | 50 % | 2 | $795 | $9,203 |
| Yavapai County | 1,183 | $1,182 | $1,591 | 51 % | 2 | $834 | $14,367 |
| Coconino County | 598 | $1,252 | $1,787 | 58 % | 3 | $980 | $16,307 |
| Cochise County | 614 | $1,102 | $1,434 | 50 % | 2 | $801 | n/a |
| Pinal County | 686 | $899 | $933 | 36 % | 1 | $793 | $68,948 |
| Mohave County | 441 | $884 | $1,051 | 47 % | 2 | $710 | $35,996 |
| Yuma County | 344 | $884 | $890 | 15 % | 1 | $811 | n/a |
Full-risk prices of Arizona homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 7,958 | 43.9 % | $365,394 |
| $1,000 to $2,000 | 7,019 | 38.7 % | $425,308 |
| $2,000 to $3,000 | 1,540 | 8.5 % | $376,025 |
| $3,000 to $4,000 | 638 | 3.5 % | $363,457 |
| $4,000 to $5,000 | 391 | 2.2 % | $352,250 |
| $5,000 or more | 573 | 3.2 % |
The floods that paid the most Arizona claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| Arizona Burn Scar Flash Flooding | 2022 | 1 | $20,091 |