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Flood Risk & Insurance Costs in Santa Cruz County, AZ

Understanding flood insurance options and risk factors in Santa Cruz County.

Median Home Value

$196,700

Est. NFIP Premium

$787/yr

Est. Private Premium

$590/yr

Potential Savings

$197/yr

NFIP vs. Private Flood Insurance

NFIP (Federal)

Annual Premium$787
Monthly Cost$66
Max Building Coverage$250,000
Max Contents Coverage$100,000

Private Flood Insurance

Annual Premium$590
Monthly Cost$49
Building CoverageUp to full value
Contents CoverageCustomizable

Flood Risk Context for Santa Cruz County

Santa Cruz County in Arizona has a median home value of $196,700 and median household income of $51,885. A major flood event could cause up to $49,175 in damage to a median-value home.

Flood insurance costs vary significantly based on your specific flood zone, elevation, building characteristics, and claims history. The estimates above are county-level approximations. Use our calculator for a personalized analysis with Monte Carlo simulation of 10,000 flood scenarios.

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Other Counties in Arizona

Maricopa CountyPima CountyPinal CountyYavapai CountyMohave CountyYuma CountyCoconino CountyCochise County

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: FEMA NFIP, state insurance departments. Estimates are county-level approximations and may not reflect specific properties or flood zones. This is not insurance advice.