Flood insurance cost · Coconino County, AZ

Flood insurance cost in Coconino County, Arizona

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 669 home policies in force on August 31, 2026.

Coconino County, ArizonaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,270a year

Half of insured homes paid between $1,081 and $1,676. That is 29% more than the Arizona median ($984). Most insured homes here are rated in zone X (60%).

$0$1,081 · $1,270 · $1,676$2,095

+11.1% vs Aug 31, 2025 (median $1,143)

669home policies in force

$1,539average cost (mean)

40%of insured homes in high-risk zones (A, V)

$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Coconino County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,520	$1,128–$2,234	$1,873	236 (35%)	+8.5%
Zone A High risk	$1,240	$1,018–$2,495	$1,742	12 (2%)	−13.9%
Zone AO High risk, shallow	$1,770	$1,472–$1,877	$1,871	20 (3%)	+17.1%
Zone X Moderate to low risk	$1,263	$1,077–$1,420	$1,320	399 (60%)	+16.5%

Not shown (fewer than 10 home policies): VE, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Coconino County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	575	$1,270	$1,559
2–4 unit building	39	$1,490	$1,624
Manufactured (mobile) home	21	$1,667	$1,750
Condo or apartment unit	34	$856	$988
Whole residential building (5+ units or condo association) One policy covers the whole building, so the cost is much higher than for a single home.	51	$2,622	$3,066
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	124	$3,006	$3,282

844NFIP policies in force, any building

988insured units (condo association policies count every unit)

74%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Coconino County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

	Aug 31, 2025	Aug 31, 2026	Change
Home policies in force	743	669	−10.0%
Median annual cost	$1,143	$1,270	+11.1%
Average annual cost	$1,382	$1,539	+11.4%
All policies in force (any building)	898	844	−6.0%

How many homes have flood insurance?

1.4%of all homes in Coconino County have an NFIP policy

29.6%of homes in high-risk zones (special flood hazard area) have one

52,606residential buildings counted by FEMA

1,073of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Coconino County, Arizona have filed 300 flood claims. 205 received a payment, for a total of $5,255,708 (an average of $25,638 per paid claim). The year with the most claims was 1993 (41 claims). Amounts are in dollars of the time, not adjusted for inflation.

Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.

All years with at least 10 claims (9)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2023	12	<10	–	–
2022	36	23	$817,733	$35,554
2021	30	23	$490,931	$21,345
2010	17	10	$638,911	$63,891
2009	18	11	$496,467	$45,133
2007	11	11	$113,920	$10,356
2004	38	32	$868,859	$27,152
1995	18	16	$134,430	$8,402
1993	41	35	$444,913	$12,712

From 2016 to 2026: 78 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Main NFIP communities in the county

Flagstaff (324 home policies) · Unincorporated Coconino County (280 home policies) · Sedona (36 home policies) · Williams (24 home policies)