A last resort — shop the private market first
Arizona has no state FAIR plan
No state FAIR plan or residual property market. Coverage of last resort is typically found in the surplus-lines (excess & surplus) market — ask an independent agent or your state DOI about options.
Because Arizona has no residual-market plan, a homeowner turned away by standard carriers relies on the surplus-lines (E&S) market instead. That coverage is available through independent agents but is less standardized and often pricier. Note that Arizona's higher-risk areas — Phoenix metro washes, Tucson urban corridors, Colorado River corridor — can be the hardest to place.
Regulator: property insurance in Arizona is overseen by the Arizona Department of Insurance and Financial Institutions — where you can file a complaint.
FAIR Plan in Arizona — FAQ
Does Arizona have a FAIR plan?
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No. Arizona does not operate a state FAIR plan or property insurer of last resort. If no standard carrier will cover your home, the alternative is usually the surplus-lines (excess & surplus) market through an independent agent — confirm your options with the Arizona Department of Insurance.
What if I can't get home insurance in Arizona?
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Work with an independent agent who can reach surplus-lines (E&S) carriers, improve your home's risk profile (roof, wind mitigation, defensible space), and re-check the standard market periodically. Arizona's Department of Insurance can point you toward available markets.
Does a Arizona FAIR plan cover flood?
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No. FAIR plans (and standard home policies) never cover flood — that requires separate flood insurance through the NFIP or a private flood insurer. In Arizona, higher-risk areas include Phoenix metro washes, Tucson urban corridors, Colorado River corridor, so flood coverage is worth pricing separately. In several coastal states, hurricane/wind is also handled by a separate wind pool rather than the FAIR plan.
Related guides and tools
Michael Torres
Editorial Lead, Catastrophe & Commercial Property
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed July 2026
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