Why flood coverage matters in Arizona
Burn scars, compacted desert soil, and paved runoff all send water toward garages, ground floors, and lower-level offices. A flood policy protects the structure and your belongings from that water.
Your options
- National Flood Insurance Program (NFIP) policies.
- Private flood options with higher limits and faster start dates.
- Contents coverage for furniture, electronics, and stored items.
Plan ahead
Most flood policies take effect 30 days after purchase. The best time to add coverage is well before monsoon season begins.