Tuesday, April 13, 2021

Zone A Phase III Floodplain Delineation Study

New Preliminary Flood Maps Provide Updated Understanding of County Flood Risks

The Yavapai County Flood Control District (the District) and the Federal Emergency Management Agency (FEMA) have finalized a flood hazard mapping study of a small portion of the County through a Letter of Map Revision (LOMR). These more detailed maps will help property owners better understand their flood risk and help them make more informed decisions on how to protect their family and property during a runoff event. This study and LOMR will become effective November 30, 2020.

What Areas Are Being Updated in Phase 3?

The first phase of updating Zone A flood risk information and providing BFEs included the Big Chino Wash, Kirkland, and Date Creek areas among others. It was part of a bigger mapping study which became final on February 15, 2019.

The second phase kicked-off in August 2015, and covers numerous watercourses including streams and tributaries to Partridge Creek, Skull Valley Wash, and the Hassayampa River. Nearly 145 stream miles representing 90+ creeks, washes, rivers, and tributaries were studied. This will become effective December 17, 2020.

This third phase covers Cherry Creek and its tributaries in Cherry, AZ, as well as Cienega Creek near I-17 and SR 169. This re-study has resulted in identifying several properties whose flood risk has reduced from a high-risk Zone A to a lower-risk Zone X. Consequently, flood insurance will be less expensive when this flood study and maps become effective on November 30, 2020.

The District mailed updated maps to any property owners that have structures on their property as well and LOMA applications to have their structure removed from the flood hazard area prior to the maps becoming effective. This fall, follow-up postcards are being mailed to each affected property owner to inform them about the study becoming effective and to encourage them to convert their high-risk flood insurance policy to the lower-cost Preferred Risk Policy.

Flood Risk is Reduced, Not Removed

If you have a loan on your property and it is no longer in Zone A, you may get a letter from your lender after the effective date saying flood insurance is no longer required; that does not mean it is not needed. While the flood risk is reduced, it is not removed. More than 30% of flood claims in Arizona come from policyholders in Zone X.

Even if you don’t have a loan, but do have a policy, the District strongly recommends that you retain coverage and to talk to your insurance agent about the easy process to convert your high-risk policy to a lower-cost Preferred Risk Policy  as soon as the maps become effective November 30th. This requires no additional money (in fact, you probably will get a refund); there is no gap in coverage; and the policy automatically includes contents coverage.

Where Do I Go for More Information?

This web page is the primary source of information about the Zone A-Phase 3 mapping project and areas being studied. You can view your property on the maps by clicking on the Property Search Tool in the menu at the top of this page If you want additional details, contact Lynn Whitman (District Director) at 928-771-3197 or email For more information about flood insurance, contact your insurance agent or visit  .

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