Arizona
flood insurance data

NFIP premiums in Arizona

NFIP premiums: what NFIP policyholders paid, not a quote. Across 17,392 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $972, and half of them fall between $729 (Q1) and $1,220 (Q3).

Of the 5 zones listed (AE, X, AO, A, AH), zone AE has the highest median premium ($1,088) and zone AH the lowest ($824). No coastal V or VE zone is listed. The median NFIP premium in Arizona, $972, is 7.9% below the national median ($1,055); it is the 18th lowest of 53 States and territories. With 17,392 residential NFIP policies effective 2025, Arizona has the 21st most of 53 States and territories. Inside the Special Flood Hazard Area (SFHA), the median premium in Arizona is $952, 6.1% lower than outside it ($1,014); most of its zoned policies sit inside the SFHA (69.7%).

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 17,392 policies.

NFIP paid building claims in Arizona

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 437 paid claims; median $15,423, half of them between $5,771 (Q1) and $36,630 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $18,878, a monetary adjustment, not today’s cost of repair.

With 437 paid claims (year of loss 2015-2024), Arizona has the 15th fewest of 53 States and territories. The paid claims are spread over the years (year of loss 2015-2024): the busiest, 2021, holds 25.2% of them.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 19 flood, hurricane and severe-storm declarations (DR and EM) covering Arizona, 17 of them major disaster declarations.

Latest declarations

• DR-4911: SEVERE STORMS AND FLOODING (Severe Storm, 2026-05-29)
• DR-4840: FLOODING (Flood, 2024-10-25)
• DR-4703: SEVERE WINTER STORMS AND FLOODING (Severe Storm, 2023-04-11)
• DR-4681: FLOODING (Flood, 2022-12-30)
• DR-4668: SEVERE STORMS (Severe Storm, 2022-09-02)

FEMA assistance to homeowners

Since 2002: 552 owner registrations inspected by FEMA in Arizona after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Disasters with the most inspections

• DR-4668, SEVERE STORMS (declared 2022-09-02): 300 inspections
• DR-4911, SEVERE STORMS AND FLOODING (declared 2026-05-29): 204 inspections
• DR-4833, WATCH FIRE (declared 2024-10-04): 28 inspections
• DR-4840, FLOODING (declared 2024-10-25): 20 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 109 NFIP communities in Arizona: 107 participate in the NFIP and 33 (30.3%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 2 (Pima County *): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Arizona dates from 2007-09-28 (Apache County *). 2 of these communities do not participate in the NFIP; 2 carry a sanction, 1 coded as a suspension and 0 as a withdrawal.

In Arizona, 6.4% of the Status Book’s communities span several counties or match no county by name, so community counts by county are partial there.

Questions about flood insurance in Arizona

How much is flood insurance in Arizona?

NFIP policyholders in Arizona paid a median of $972 for residential policies effective 2025 (17,392 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $729 and $1,220; $952 inside the Special Flood Hazard Area against $1,014 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has Arizona had?

437 NFIP building claims were paid (year of loss 2015-2024), with a median of $15,423; the year with the most was 2021 (110), and the named event with the most was Arizona Burn Scar Flash Flooding (1). These are amounts paid, not repair cost.

Is Arizona in a flood zone?

Of the residential NFIP policies of Arizona (policies effective 2025), 12,081 are rated inside the Special Flood Hazard Area and 5,245 outside it (zones listed: AE, X, AO, A, AH), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

• 0 residential 2025 policies with policyCost <= 0 or empty are left out; 66 kept policies have zone D or an unknown zone (in n, not in the zone tables).
• Owners assistance: county names not matched to a FIPS code (counted in the State total only): Havasupai Indian Reservation (no match, 20 inspected); Salt River Pima-Maricopa Indian Community (no match, 300 inspected); San Carlos Indian Reservation (no match, 232 inspected)

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).