Flood insurance cost in Arizona
In Arizona, the lowest private flood insurance quote ran $428 a year and the typical private quote ran $1,039. The NFIP quote ran $1,857.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 75% below the NFIP quote, and private was the cheaper option for 97% of those 65 properties. The typical private quote came in 27% below NFIP.
Median annual premiums from 1,082 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $464 | $1,309 | $2,321 | 790 |
| Residential properties | $428 | $1,039 | $1,846 | 1,081 |
How quotes have moved since 2020
- Lowest private quote$404 in 2026
- Typical private quote$718 in 2026
- NFIP quote$1,588 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $515 | $894 | n/a | 244 |
| 2021 | $410 | $1,035 | n/a | 183 |
| 2025 | $603 | $1,864 | $2,621 | 394 |
| 2026* | $404 | $718 | $1,588 | 662 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Arizona?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Arizona was $1,039 a year and the lowest private quote a property received was $428. NFIP quotes ran $1,857. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Arizona?
- Where a property was quoted both ways, the lowest private quote came in a median 75% below the NFIP quote, and private was the cheaper option for 97% of those 65 properties. The typical private quote came in 27% below NFIP.
- Where do these numbers come from?
- From 1,082 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Arizona
- Flood insurance in Arizona: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.