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Flood insurance cost · Maricopa County, AZ

Flood insurance cost in Maricopa County, Arizona

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 8,258 home policies in force on August 31, 2026.

Maricopa County, ArizonaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$904a year

Half of insured homes paid between $713 and $1,123. That is 8% less than the Arizona median ($984). The most common flood zone for insured homes here is zone AO (34%).

$0$713 · $904 · $1,123$1,404
+7.6% vs Aug 31, 2025 (median $840)
8,258home policies in force
$956average cost (mean)
67%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 Maricopa 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 zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$976$759–$1,297$1,0791,884 (23%)+11.0%
Zone A
High risk		$762$615–$968$830508 (6%)+5.5%
Zone AO
High risk, shallow		$873$677–$1,018$8922,799 (34%)+11.9%
Zone AH
High risk, shallow		$802$673–$960$923343 (4%)+6.6%
Zone X
Moderate to low risk		$979$751–$1,158$9662,687 (33%)+6.0%
Zone D
Undetermined		$793$604–$1,148$90937 (0%)±0.0%

Not shown (fewer than 10 home policies): VE, A99/AR. 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 Maricopa County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home7,574$918$970
2–4 unit building182$1,142$1,174
Manufactured (mobile) home155$963$1,048
Condo or apartment unit347$461$501
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.		606$1,630$1,813
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,093$1,483$1,720
9,957NFIP policies in force, any building
12,130insured units (condo association policies count every unit)
65%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Maricopa 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, 2025Aug 31, 2026Change
Home policies in force8,7458,258−5.6%
Median annual cost$840$904+7.6%
Average annual cost$876$956+9.1%
All policies in force (any building)10,4919,957−5.1%

How many homes have flood insurance?

0.6%of all homes in Maricopa County have an NFIP policy
29.1%of homes in high-risk zones (special flood hazard area) have one
1,510,831residential buildings counted by FEMA
20,901of 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 Maricopa County, Arizona have filed 2,643 flood claims. 1,747 received a payment, for a total of $26.1 million (an average of $14,941 per paid claim). The year with the most claims was 1978 (317 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 317 claims, 252 paid, $2,094,055 in total19781979: 58 claims, 32 paid, $101,378 in total1980: 268 claims, 219 paid, $2,156,370 in total198019801981: 105 claims, 75 paid, $150,249 in total1982: 34 claims, 19 paid, $51,373 in total1983: 112 claims, 63 paid, $476,068 in total1984: 135 claims, 85 paid, $292,472 in total1985: 11 claims1986: 55 claims, 37 paid, $175,335 in total1987: 43 claims, 12 paid, $34,438 in total1988: 72 claims, 56 paid, $237,685 in total1990: 184 claims, 137 paid, $920,272 in total19901992: 116 claims, 87 paid, $769,550 in total1993: 97 claims, 62 paid, $411,867 in total1994: 17 claims, 15 paid, $107,933 in total1995: 27 claims, 18 paid, $125,832 in total1996: 14 claims1997: 13 claims1998: 18 claims1999: 17 claims2000: 35 claims, 23 paid, $281,069 in total20002002: 40 claims, 23 paid, $202,689 in total2003: 25 claims, 10 paid, $41,856 in total2004: 19 claims, 14 paid, $136,359 in total2005: 38 claims, 27 paid, $581,148 in total2006: 30 claims, 24 paid, $379,234 in total2007: 57 claims, 25 paid, $738,692 in total2008: 32 claims, 17 paid, $386,269 in total2010: 37 claims, 17 paid, $231,048 in total20102012: 11 claims2013: 22 claims, 13 paid, $661,016 in total2014: 247 claims, 164 paid, $7,471,888 in total20142015: 22 claims, 13 paid, $267,786 in total2016: 67 claims, 47 paid, $1,045,245 in total2017: 12 claims2018: 53 claims, 31 paid, $1,245,100 in total2019: 17 claims20202021: 52 claims, 34 paid, $1,317,037 in total2022: 38 claims, 24 paid, $968,763 in total2025: 24 claims, 13 paid, $912,360 in total
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 (40)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20252413$912,360$70,182
20223824$968,763$40,365
20215234$1,317,037$38,736
201917<10––
20185331$1,245,100$40,165
201712<10––
20166747$1,045,245$22,239
20152213$267,786$20,599
2014247164$7,471,888$45,560
20132213$661,016$50,847
201211<10––
20103717$231,048$13,591
20083217$386,269$22,722
20075725$738,692$29,548
20063024$379,234$15,801
20053827$581,148$21,524
20041914$136,359$9,740
20032510$41,856$4,186
20024023$202,689$8,813
20003523$281,069$12,220
199917<10––
199818<10––
199713<10––
199614<10––
19952718$125,832$6,991
19941715$107,933$7,196
19939762$411,867$6,643
199211687$769,550$8,845
1990184137$920,272$6,717
19887256$237,685$4,244
19874312$34,438$2,870
19865537$175,335$4,739
198511<10––
198413585$292,472$3,441
198311263$476,068$7,557
19823419$51,373$2,704
198110575$150,249$2,003
1980268219$2,156,370$9,846
19795832$101,378$3,168
1978317252$2,094,055$8,310

From 2016 to 2026: 263 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.

ZIP codes in Maricopa County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Scottsdale (3,299 home policies) · Phoenix (1,983 home policies) · Unincorporated Maricopa County (1,707 home policies) · Mesa (189 home policies) · Gilbert (188 home policies) · Chandler (131 home policies)