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1. Why do I pay for flood insurance?

Flood insurance is mandatory if your home or property is within a special flood hazard area, as designated by the Federal Emergency Management Agency (FEMA) Flood Insurance Rate Maps, and you have a federally-backed or federally-insured mortgage. Your flood insurance policy provides coverage caused by flooding for your residence since your homeowner’s insurance policy does not cover losses caused by flooding.

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2. Who do I call to purchase flood insurance?

Flood Insurance can be purchased from the insurance agent who administers your homeowner’s insurance policy, any insurance company, or by visiting the FloodSmart website.

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3. Why do I need to purchase flood insurance if my property/residence is located within a Federal Emergency Management Agency (FEMA) Zone X?

Typically, mandatory flood insurance is not required if your residence is located in Federal Emergency Management Agency (FEMA) Zone X, although your mortgage company may require you to have flood insurance if they believe there is a risk to your residence and they want to protect their interest.

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4. I am in Zone X and I was told I couldn’t get flood insurance?

This is incorrect! All residences are eligible for flood insurance even if they are located in a moderate-to-low risk flood areas, Federal Emergency Management Agency (FEMA) Zone X. Contact the agent that administers your homeowner’s insurance policy to learn more or visit the FloodSmart website to get a list of insurance agents.

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5. Where can I find the definitions of all of the flood zones?

Definitions of FEMA flood zones are located in the Floodplain Regulations for Maricopa County (Article Two Section 205) or refer to FEMA's website for more information on the different flood zones.

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