Flood insurance claims in Navajo County, Arizona

FEMA records 106 National Flood Insurance Program claims in Navajo County, Arizona, since 1978, with $971,193 paid in total. The year with the most claims was 1978, with 37. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 14.0% of homes in the high-risk flood zone did.

NFIP claims on record106

Total paid$971,193

Claims with a payment77

Homes with NFIP policy0.6%

High-risk zone homes insured14.0%

Residential policies in force328

Claims by year of loss

NFIP claims by year of loss, Navajo County, Arizona

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	22

ZIP codes with the most claims

ZIP code (as reported)	Claims
86047	58
85939	14
85937	7
85901	6
85935	6
86025	4
85929	3
85928	3
85933	2
86032	2

37 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $889,368, contents $81,825, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	2,098	293	14.0%
All homes	55,334	328	0.6%

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.