Are Floods Common in the Arizona Desert?

The desert is a harsh environment, especially when it comes to weather. The lack of trees and other vegetation can make it difficult for plants and animals to survive in the desert. However, some plants have adapted to the harsh desert climate and can survive on the occasional rain shower.

Some areas of the Arizonan desert can flood during monsoon season. Freedom Insurance Agency in Mesa, AZ is here to give you the information you need to understand our region’s flooding risks.

When is the monsoon season in Arizona?

Monsoon season in Arizona typically lasts from July to September, though the exact timing can vary from year to year. The monsoon season is caused by the movement of moisture from the ocean toward the land, which is called onshore wind.

This wind brings moisture from the ocean and causes the region to get rain and thunderstorms. The monsoon can cause flooding in some parts of Arizona, but not all areas will get rain during the monsoon season.

How often do floods happen in Arizona?

On average, our state gets about 40 to 100 floods annually. Most of these floods are caused by heavy rains during the monsoon season. Flooding can also be caused by snowmelt during the winter, where snow at higher altitudes causes water to run down the mountains and into the valleys.

Arizona’s experienced 116 severe floods in the last ten years. Most of these were flash floods instead of river floods. The National Oceanic and Atmospheric Administration (NOAA) defines a severe flash flood as one that causes damage or injury to people or property. In the worst cases, a flood is designated "catastrophic," meaning that the danger is imminent and is likely to cause death or severe injury.

Contact Us Today

As you can see, even though we live in a desert state, flooding is still a significant problem in and around Mesa, AZ. Flood insurance is not part of a standard homeowners insurance policy. Reach out to Freedom Insurance Agency today to find out more.

Does My Home Insurance Cover Non-relatives Living in My House?

Insurance companies are a complicated part of our society. They provide us with protection in a disaster or emergency, such as a fire or car crash. They also make a profit, which means they are not charities. This often leaves people confused as to which situations are covered by their home insurance and which situations aren’t.

At Freedom Insurance Agency of Mesa, AZ, we understand that a household isn’t always a nuclear family. Especially in today’s world, where many people live with roommates, friends, or romantic partners, it’s essential to understand the details of your insurance policy.

Who is covered by your policy?

As a general rule, home insurance covers yourself and members of your household with whom you have an "insurable interest." "Insurable interest" is a term that refers to someone who would be directly financially affected by something happening in your life.

Insurance companies typically cover:

  • You
  • Your spouse
  • Relatives living in your home
  • Any person under 21 who is in your custody, such as foster children

Non-relatives are typically not covered by home insurance, even if they live with you. However, there are a few things you can do.

How to Ensure A Non-Relative Has Home Insurance Coverage

  • Your policy likely has a section where you can add the person as a "Named Insured." This would give that person a similar designation as you on the policy. This is also known as "joint insurance."
  • If you want to ensure a person but not give them equal control of the policy, you can consider adding an "Other persons in the household" endorsement. This would treat that person the same as a relative listed on the policy.
  • Your non-relative could purchase their policy if they want their insurance. If you rent a space in your home, they could qualify for renter’s insurance.

Give Us A Call

If you’re a Mesa, AZ homeowner interested in learning more about your home insurance, please contact Freedom Insurance Agency today!