FLOOD INSURANCE IN TEMPE, AZ

Q: Is Tempe considered a high-risk flood zone?

Many areas are moderate-risk, but heavy monsoon storms can cause flooding anywhere in Tempe.

Q: Absolutely — do you offer private flood insurance in Tempe?

Yes. Private flood insurance provides higher limits, faster activation times, and broader coverage than NFIP in many cases.

Q: Does homeowners insurance cover floods?

No. Homeowners, renters, and landlord policies do not cover flood damage. A separate flood insurance policy is required.

Most homeowners policies in Tempe do not cover flood damage. With monsoon storms, canal overflow risks, and drainage issues across the East Valley, flood insurance is essential for protecting your home or investment property.
We offer both NFIP and private flood policies to provide expanded, affordable protection.

Flood Insurance Options in Tempe

NFIP (FEMA) Flood Insurance

Covers up to:

$250,000 for building
$100,000 for contents

Reliable, government-backed coverage.

Private Flood Insurance

Higher limits and more flexible protection:

Coverage into the millions
Shorter wait periods
Replacement cost options
Additional living expenses (NFIP does not provide this)

Excess Flood Insurance

For high-value homes needing coverage above NFIP limits.

Commercial Flood Insurance

For Tempe businesses needing building + contents flood coverage.

Why Flood Insurance Is Important in Tempe

Even though Tempe is not a coastal city, flood risks are real:

Heavy monsoon storms
Street drainage overflow
Canal and river proximity
Aging drainage systems in older neighborhoods
Flash flooding near Tempe Town Lake

Just one inch of water can cause over $25,000 in damage.

Who We Insure in Tempe

We provide flood insurance for:

Homeowners
Renters
Landlords
Condo owners
Investors
Commercial property owners
AirBnB/short-term rental owners

How to Get Flood Insurance in Tempe, AZ

Call or text 480-270-2935 — this is step one.
Tell us about your property
We compare NFIP and private flood options
You choose the best and most affordable coverage

Most policies can start in as little as 24–72 hours with private flood.

Flood Insurance FAQs — Tempe, AZ

Is Tempe considered a high-risk flood zone?

Many areas are moderate-risk, but flood damage can occur anywhere during monsoon storms.

Absolutely — do you offer private flood insurance in Tempe?

Yes. Private flood often provides higher limits and faster activation compared to NFIP.

Does homeowners insurance cover floods?

No. Standard homeowners policies exclude flood damage. Separate flood insurance is required.