Flood insurance claims in Coconino County, Arizona

FEMA records 295 National Flood Insurance Program claims in Coconino County, Arizona, since 1978, with $5.3 million paid in total. The year with the most claims was 1993, with 41. As of 3 August 2026, 1.4% of homes here had an NFIP policy, and 29.6% of homes in the high-risk flood zone did.

NFIP claims on record295

Total paid$5.3 million

Claims with a payment202

Homes with NFIP policy1.4%

High-risk zone homes insured29.6%

Residential policies in force733

Claims by year of loss

NFIP claims by year of loss, Coconino County, Arizona

Paid on claims by year of loss (building, contents and increased cost of compliance), Coconino County, Arizona

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	6
Arizona Burn Scar Flash Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
86336	127
86004	88
86001	49
86017	17
86005	7
86046	4
86023	1
85344	1

155 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.7 million, contents $536,969, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,073	318	29.6%
All homes	52,606	733	1.4%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.