Arizona Flood Zones
Arizona experiences flash flooding from intense monsoon thunderstorms, particularly between July and September. Desert terrain with hard-packed soil and sparse vegetation allows rapid runoff, making dry washes and arroyos extremely dangerous during storms.
7 of 15 Arizona counties are rated high or very high for inland flood risk by FEMA's National Risk Index. 18 communities participate in FEMA's Community Rating System, qualifying residents for flood insurance discounts of up to 25%.
FEMA Region
Region 9
Also covers California, Hawaii, Nevada, +5 more
NFIP Policies
55,000
Arizona Flood Risk Overview
County-level risk ratings from FEMA's National Risk Index across 15 Arizona counties.
Inland Flood Risk
7 of 15 counties rated high or very high
Hurricane Risk
0 of 11 counties rated high or very high
Source: FEMA National Risk Index, county-level assessment.
Federal Flood Disaster History
Arizona has received 18 federal disaster declarations for flooding, hurricanes, severe storms, and coastal storms.
2020s
3
2010s
2
2000s
1
1990s
2
1980s
3
1970s
6
1960s
1
Recent Declarations
Showing 8 most recent of 18 total declarations.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims
Arizona properties have filed 5,320 NFIP flood insurance claims totaling $62.6M in payouts since 1978. The average claim payout is $12K.
Claims by Decade
2020s
422
2010s
976
2000s
777
1990s
1,125
1980s
1,471
1970s
549
Highest-Claim Years
Claims by Flood Zone
Zone X
1,762
Zone A
1,525
Zone AE
643
Zone AO
230
Zone AH
106
Zone AOB
87
Zone D
28
Zone AHB
10
Source: OpenFEMA NFIP Claims API. Data sourced February 2026.
Flood Insurance Discounts in Arizona
18 Arizona communities participate in FEMA's Community Rating System (CRS), earning flood insurance premium discounts for residents in Special Flood Hazard Areas. CRS classes in Arizona range from 5 to 9, with discounts from 5% to 25%.
Class 5 - 25% discount
Class 5 - 25% discount
Class 5 - 25% discount
Class 5 - 25% discount
Gilbert
Class 6 - 20% discount
Glendale
Class 6 - 20% discount
Class 6 - 20% discount
Chandler
Class 7 - 15% discount
Prescott
Class 7 - 15% discount
Marana
Class 7 - 15% discount
Dewey Humbolt
Class 8 - 10% discount
Casa Grande
Class 8 - 10% discount
+6 more Arizona communities participate in CRS.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Look Up Any Arizona Address
Enter a AZ address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
Free Flood Zone LookupArizona Cities
Explore flood zone information for major cities in Arizona.
Arizona Flood Zone FAQ
How do I check if my Arizona property is in a flood zone?
Enter your AZ address in FludZone's free lookup tool. We query FEMA's National Flood Hazard Layer in real-time to show your flood zone designation, whether flood insurance is required, and your property's risk level.
Do I need flood insurance in Arizona?
If your Arizona property is in a Special Flood Hazard Area (SFHA), meaning zones starting with A or V, and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not subject to the federal mandate but lenders may still require coverage, and it is often recommended given Arizona's flood history.
What are the most common flood zones in Arizona?
The most common FEMA flood zone designations in Arizona are Zone AE, Zone AO, Zone A, Zone X. Each zone reflects a different level of flood risk, from high-risk areas where flood insurance is generally required for federally regulated or government-backed mortgages to lower-risk areas where coverage is optional but recommended.
Can I remove my Arizona property from a flood zone?
Yes, if your Arizona property's natural ground elevation was always above the Base Flood Elevation and FEMA inadvertently mapped it in the SFHA, you can apply for a Letter of Map Amendment (LOMA) through FEMA. For properties in Arizona's AE and A zones, the LOMA process is relatively straightforward when the elevation data supports it. If your property was raised above the BFE with fill, the process is a LOMR-F. A successful LOMA generally removes the federal mandatory flood insurance requirement, but your lender may still choose to require coverage. You'll need an elevation certificate from a licensed surveyor.
Do any Arizona communities offer flood insurance discounts?
Yes, 18 Arizona communities participate in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for exceeding minimum flood mitigation standards. Residents in participating communities can receive NFIP premium discounts of up to 25% in the Special Flood Hazard Area. Properties outside the SFHA also benefit: CRS classes 1 through 6 receive a 10% discount, and classes 7 through 9 receive a 5% discount on NFIP premiums. Check your city's page on FludZone to see if your community participates.
Sources
This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.
- FEMA National Flood Hazard LayerDirect Source
The NFHL is the source of all flood zone data shown on this page.
- FEMA Map Service Center — Search by AddressDirect Source
Look up any address to view FIRM panels, FIS reports, and LOMCs.
- NFHL Data and Map StatusTopic Page
View NFHL coverage and data freshness by state and community.
- FEMA National Risk Index — Data ResourcesDirect Source
County-level risk scores for inland flooding, coastal flooding, and hurricane used in the Flood Risk Profile.
- OpenFEMA Disaster Declarations Summaries API v2Direct Source
Federal disaster declarations filtered for flood-related incident types (Flood, Hurricane, Severe Storm, Coastal Storm).
- OpenFEMA FIMA NFIP Claims API v2Direct Source
Historical NFIP flood insurance claims since 1978, aggregated by county and state. Includes claim counts, payouts, and flood zone breakdowns.
Sources last verified: February 2026
Understanding Flood Zones
Learn more about the FEMA flood zone designations common in Arizona.