Phoenix, AZ Flood Zone Map
FEMA flood zone data for Phoenix. The map below shows high-risk areas (FEMA Special Flood Hazard Areas) over local waterways and streets -- computed from the official FEMA National Flood Hazard Layer.
- High risk
- Moderate
- Lower risk
- Not mapped
Flood Zone Breakdown for Phoenix
About 3% of the mapped area in Phoenix falls within a FEMA Special Flood Hazard Area (high-risk or moderate-risk flood zone). The breakdown by zone:
- AE 2% Zone AE
- AO 0% Zone AO
- A 0% Zone A
- X 71% Zone X
- D 27% Zone D
Where Flooding Comes From in Phoenix
Flash flooding (Salt River, Gila River, desert wash network).
- Cave Crk
- Salt Riv
- Grand Cnl
- Kyrene Cnl
- Arizona Cnl
- Scatter Wash
- Agua Fria Riv
- Highline Canal S Br
Flood Zone Details for Phoenix
| Zone | Risk level | Area | Insurance |
|---|---|---|---|
| AE | High-risk riverine or coastal flood zone with a computed base flood elevation (BFE). About a 1-in-100 chance of flooding each year. | 2% | Flood insurance is typically required for federally backed mortgages. |
| AO | High-risk shallow flooding zone, typically sheet flow over sloping land. Depths are 1 to 3 feet above ground. | 0% | Flood insurance is typically required for federally backed mortgages. |
| A | High-risk flood zone without a detailed BFE study. About a 1-in-100 chance of flooding each year. | 0% | Flood insurance is typically required for federally backed mortgages. |
| X | Lower-risk zone outside the 1% annual chance flood boundary. Flooding is still possible but less likely than in high-risk zones. | 71% | Flood insurance is not required but may still be a smart choice -- nearly one-third of flood claims (29% over 2014-2024) come from lower-risk areas. |
| D | Unstudied area where flood hazard has not been determined. Flood risk is unknown. | 27% | No federal requirement, but the risk is undefined. |
Learn More About the Zones in Phoenix
Check YOUR Exact Address in Phoenix
The map above shows the broad flood zone picture for Phoenix. Your specific property may be in a different zone -- the only way to know for certain is to check your exact address.