Arizona Home-Insurance Distress by County

Arizona reads below the national norm for home-insurance distress — 15 counties averaging 26/100, 31st of 52 states.

2 of Arizona's 15 counties score 70 or higher (severe).

Arizona's reading rests on a FEMA hazard average of 13/100 and NFIP flood-claim stress of 52/100.

Over three years Arizona counties filed 89 NFIP flood claims, $2,363,106 paid.

Highest in Arizona: Pinal County 79/100 (#395 US), Maricopa County 76/100 (#473 US), Mohave County 29/100 (#1675 US), Gila County 29/100 (#1698 US), Apache County 27/100 (#1767 US).

Arizona counties by insurance band: 12 low (Arizona), 2 medium, 1 zero; Arizona NFIP claims, three years: 89; Arizona payouts $2.4 million.

Arizona counties with the most NFIP claims: Maricopa 31 ($912,360); Gila 16 ($423,369); Mohave 10 ($526,476) in Arizona; Yavapai 8 ($153,577); Pima 7.

Arizona county average rose: 25.5 in March 2026; Arizona reads 25.9 in October 2026; Arizona by month: March 25.5, April 25.5, May 25.0 (Arizona), June 25.0, July 24.5, August 24.5 (Arizona), September 25.6, October 25.9.

Highest Arizona ZIPs, insurance distress: 60456 0 (climate 100), 60643 0 (climate 100) in Arizona, 90043 0 (climate 100), 89178 0 (climate 100) in Arizona, 91361 0 (climate 100), 91766 0 (climate 100) in Arizona.

Reading the Arizona bands: 0 of 15 Arizona counties sit in a high or worse insurance band; Arizona filed 89 NFIP claims in three years, $2.4 million paid to Arizona policyholders; a Arizona county's band moves when FEMA hazard revisions, new Arizona NFIP settlements or carrier filings change its monthly score.