Is Phoenix in a flood zone during monsoons and which areas flood?
Most of Phoenix and the north valley are not in FEMA designated flood zones, but localized flooding can occur during monsoon season, typically July through September. Areas near washes, retention basins, and low-lying streets are more vulnerable to flash flooding during heavy storms. Specific flood risk varies by property and can be checked through FEMA flood maps using the address. Even outside official flood zones, monsoon storms can cause temporary street flooding and drainage issues. Flood insurance is not required by lenders for most properties here, but you may choose to purchase it separately. The specifics depend on your situation and a licensed insurance agent should confirm, 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 arizona and phoenix specific
- How much are summer electric bills in Phoenix?
- How much does it cost to maintain a pool in Phoenix?
- What is the BINSR and how do I use it to ask for repairs?
- What is the SPDS and what red flags should I look for?
- What should I check on the roof after monsoon season?
- Should I buy a house with a pool in Phoenix or is it a money pit?
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.
