Do You Need Flood Insurance If You Live in the Desert?
- Charlotte Burr
- Aug 26, 2025
- 2 min read
Flood insurance is commonplace in states like Louisiana or Florida, where flooding is
guaranteed and financial protection from it is necessary. But is flood insurance
necessary in the Sonoran Desert?
Well, let’s start by talking about what flood insurance policies define as a flood.
According to the National Insurance Flood Program, or NFIP, a flood is any water from
outside your home or property that flows into it from the ground level. So, if the water
comes from outside your property, flood insurance will probably cover it.
Furthermore, the Sonoran Desert’s hard, dry soil is notorious for not absorbing water.
All it would take for a flood to occur is a single monsoon storm. So even if you live in a
climate as dry and arid as the desert, flood insurance is still necessary to protect your
property and belongings from damage.
And, if you’re searching for the perfect flood insurance policy, give AZ Insurance Team a
call. As an Arizona-based insurance broker, we can help you find the right policy to fit
your needs and budgets. We hope to hear from you soon!
How AZ Insurance Team Has Your Back
At AZ Insurance Team, we’ve been serving the Valley for over a decade, helping families and individuals protect what matters most. Whether it’s reviewing your home, auto, or life insurance, summer is the perfect time to make sure you’re covered before the celebrations begin. Reach out today to review your policy and see how much you could save. Peace of mind is just a call or click away.
Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…
Disclaimer: Coverage will vary based on state, insurance company, and type of policy
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