Essential Protection
Flood Insurance in Scottsdale & Arizona
Arizona's monsoon season brings flash floods that can devastate homes and businesses. Don't assume you're safe—get the flood protection you need.
Get a Flood Insurance QuoteDo I Need Flood Insurance in Arizona?
Many Arizona homeowners assume they don't need flood insurance. Here's the reality.
Monsoon Flash Floods
Arizona's monsoon season (June-September) brings intense storms that cause flash flooding—even in areas not near rivers or lakes.
25% of Claims Outside Flood Zones
About 25% of flood claims come from properties outside high-risk flood zones. Your location doesn't guarantee safety.
Homeowners Insurance Doesn't Cover Floods
Standard homeowners policies exclude flood damage. Without separate flood insurance, you're completely unprotected.
Flood Insurance Coverage Options
NFIP (National Flood Insurance Program)
- Government-backed flood insurance
- Up to $250K building / $100K contents
- Available in most communities
- 30-day waiting period typically applies
- Standard coverage and pricing
Private Flood Insurance
- Higher coverage limits available
- Often more competitive pricing
- Additional coverage options
- Faster claims processing
- May have shorter waiting periods
Protect Your Property from Arizona Floods
Get expert guidance on NFIP vs. private flood insurance. We'll help you find the right coverage for your Scottsdale property.
Get Your Flood Insurance Quote