Community & Economic Development

Flood Insurance Resources

The City of Phoenix participates in the National Flood Insurance Program (NFIP) a division of the Federal Emergency Management Agency (FEMA) that makes available federally backed flood insurance for all structures, whether or not they are located within the floodplain. More than 25 percent of NFIP claims are filed by properties located outside of the 100-year floodplain, also known as the Special Flood Hazard Area (SFHA). Following the purchase of flood insurance, NFIP imposes a 30-day waiting period, so residents should purchase insurance before the onset of the rainy season to ensure coverage during the flood season.

Why You Need Flood Insurance

Flood Insurance Resources

Membership within NFIP – and the availability of flood insurance to City of Phoenix residents – requires the City to manage its floodplain in ways that meet or exceed standards set by FEMA.  NFIP insures buildings with two types of coverage: structural and contents.

Structural coverage includes:

  • The insured building and its foundation
  • The electrical and plumbing system
  • Central air conditioning equipment, furnaces, and water heaters
  • Refrigerators, cooking stoves, and built-in appliances such as dishwashers
  • Permanently installed carpeting over unfinished flooring

Content coverage includes:

  • Clothing, furniture, and electronic equipment
  • Portable and window air conditioners
  • Portable microwaves and dishwashers
  • Carpeting that is not already included in property coverage
  • Clothing washers and dryer

For the most up to date information on flood insurance and what it covers, visit: or call 1-888-379-9531