Flood insurance claims in Gila County, Arizona

FEMA records 154 National Flood Insurance Program claims in Gila County, Arizona, since 1980, with $3.5 million paid in total. The year with the most claims was 1993, with 35. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 10.6% of homes in the high-risk flood zone did.

NFIP claims on record154

Total paid$3.5 million

Claims with a payment124

Homes with NFIP policy0.9%

High-risk zone homes insured10.6%

Residential policies in force268

Claims by year of loss

NFIP claims by year of loss, Gila County, Arizona

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	25

ZIP codes with the most claims

ZIP code (as reported)	Claims
85541	46
85501	33
85292	28
85553	19
85539	10
85545	7
85192	3
85544	3
85532	2
85502	1

103 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.2 million, contents $311,460, increased cost of compliance $55,000.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	2,220	235	10.6%
All homes	29,885	268	0.9%

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.