Tucson, AZ Home InsuranceHome insurance in Tucson, AZ
Parts of Tucson are in mapped flood zones, and flooding isn't covered by a standard policy. Here's what to check.
Flood risk in Tucson
Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.
FEMA's current mapping for the Tucson area shows Zone A, Zone AE, Zone D, Zone AH alongside Zone X, which is the lower-risk designation.
Tucson is in FEMA's Community Rating System at Class 6, which earns residents 20% off flood insurance in the high-risk zones. Most homeowners have never heard of this and it applies automatically.
Source: FEMA National Flood Hazard Layer; NFIP community 040076.
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