Other than our once in a lifetime rain in October, flooding is a rare occurrence in Arizona. But because of the adverse effect of flood zones on property, I have written about floodplain requirements frequently: Some of the latest include New Floodplain Requirements, Arizona Best for Flood Zones, and How to Figure Out Flood Plains. If flood insurance is required where you live, do you know what it consists of and what it covers? Flood insurance covers a home’s structure and components, such as the A/C system, water heater, built in appliances and refrigerators. Personal property is also covered such as clothing, furniture, washer and dryer and electronics. Limited coverage is available for artwork and collectibles. Next in Part 2: What flood insurance doesn’t cover.
