Flood insurance cost · ZIP 85262 · AZ

Flood insurance cost in ZIP 85262 (unincorporated Maricopa County, AZ)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 415 home policies in force on August 31, 2026.

ZIP code 85262 (unincorporated Maricopa County, AZ)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,086a year

Half of insured homes paid between $904 and $1,412. That is 20% more than the Maricopa County median ($904). Most insured homes here are rated in zone AE (77%).

$0$904 · $1,086 · $1,412$1,765

+11.0% vs Aug 31, 2025 (median $978)

415home policies in force

$1,159average cost (mean)

83%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 ZIP code 85262

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	$1,146	$947–$1,470	$1,205	318 (77%)	+12.4%
Zone AO High risk, shallow	$956	$785–$1,161	$996	25 (6%)	+12.7%
Zone X Moderate to low risk	$1,060	$852–$1,328	$1,126	51 (12%)	+13.9%
Zone D Undetermined	$695	$599–$793	$741	21 (5%)	+0.4%

Not shown (fewer than 10 home policies): VE, A, AH, 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 ZIP code 85262, by what they insure.

Type of building	Policies	Median	Average
Single-family home	413	$1,086	$1,159
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	21	$1,418	$1,470

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

438NFIP policies in force, any building

452insured units (condo association policies count every unit)

72%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 85262

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	424	415	−2.1%
Median annual cost	$978	$1,086	+11.0%
Average annual cost	$1,046	$1,159	+10.8%
All policies in force (any building)	448	438	−2.2%

Flood claims history

Fewer than 10 NFIP flood claims have been recorded in ZIP 85262 since 1978, so we do not show claim figures here.

NFIP communities in this ZIP code

Unincorporated Maricopa County (311 home policies) · Scottsdale (102 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.