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Local insurance agent advises Tucson residents to get informed on flood insurance

Posted at 6:15 AM, Jul 10, 2018
and last updated 2018-07-10 11:27:22-04

As monsoon begins to roll in, so does concern over whether homeowners need flood insurance for their homes or not. 

The Federal Emergency Management Agency or FEMA generates a map in which shows what areas of town are designated to what flood zones

For example, living in Flood Zone X does not require someone to have flood insurance, however living in Flood Zone AE does.

Many times living near a wash or creek can increase the chances of being within Flood Zone AE. 

RELATED: Gearing up for monsoon and the impact it has on Tucson roads 

Scott Genteman, the owner of AZ Insurance Center, says it completely depends on where you live and what zone FEMA designated it as to know whether or not you need to purchase flood insurance. 

He added that during a time like this when monsoon begins rolling in homeowners will typically try to purchase flood insurance, however, one a policy is purchased it does take 30 days for it to kick in. 

Genteman went on to say that Tucson may not typically see a ton of flooding, but even the smallest bit of flooding in a home can cause extreme damage. 

"The biggest expense is usually the extraction of the water, so that can run into the thousands of dollars, usually you have to take out the flooring and drywall," Genteman said. 

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