10/13/2026
Just because you live in Arizona or outside a designated flood zone does not mean your home is safe from flooding. Heavy rain, monsoon storms, and sudden water runoff can cause serious property damage, even in areas that rarely experience flooding.
Most standard homeowners insurance policies do not cover flood damage. This means you could be responsible for costly repairs and replacing damaged belongings without separate flood coverage.
Flood insurance may be worth considering even if your mortgage lender does not require it. Understanding your property's risk and your current coverage can help you make an informed decision.
Not sure whether flood insurance makes sense for your home? Contact San Tan Insurance at (480) 391-3883 to discuss your options.
https://santaninsurance.net/