Do I need flood insurance in Phoenix?
Flood insurance requirements in the Phoenix area depend on whether the property is located in a designated flood zone, which is determined by FEMA maps. Many north valley homes in Cave Creek, Carefree, and Anthem are not in flood zones, but some properties near washes and drainage areas are. If your home is in a high-risk flood zone and you're using a federally backed mortgage, flood insurance is mandatory. Even if it's not required, you might consider it if the property is near a wash or in an area prone to heavy monsoon runoff. Standard homeowners insurance does not cover flood damage. The specifics depend on your situation and a licensed insurance agent should confirm what coverage you need, and Jon can connect you with one.
Specifics depend on your situation and should be confirmed with an insurance agent. Jon can connect you with one: text (623) 826-0888.
More on title, insurance and taxes
- How much is homeowners insurance in Phoenix and what does it cover?
- How do property taxes work in Arizona and how are they calculated?
- What is title insurance and do I need it?
- What is the difference between a home warranty and homeowners insurance?
- Do easements, solar leases or liens on title affect me?
- What does a title company actually do?
Meet Jon Hegreness
Jon Hegreness
REALTOR / Associate Broker · Howe Realty
AZ License BR540940000
Full-time Phoenix North Valley REALTOR and Associate Broker with 24 years in Arizona residential real estate. A negotiator and problem solver who works the way you would want a friend in the business to work: direct, on your side, and steady through the parts that get complicated.