Arizona: The Storm-Ready Checklist

Shelter & mitigation money

No dedicated state-run storm-shelter rebate or grant program is listed for Arizona in the mitigation data reviewed for this page. Check with the state emergency management agency below for anything new.

NAIC's June 2025 hurricane-deductible list does not name Arizona; NAIC notes other states may still allow insurers to include one, and a separate wind/hail deductible can appear in any state's policy regardless (content.naic.org/insurance-topics/hurricane-deductibles).

Who to call, before and after

The hazards Arizona actually faces

• Extreme heat

  Peak season: Jun–Aug

  Extreme heat kills more people in an average US year than any other weather hazard, and most of those deaths are preventable — the risk concentrates in the first heat wave of the season, before bodies acclimate, and in households without reliable cooling. Checking on elderly or isolated neighbors during a heat advisory does more than any single piece of equipment.

• Extreme rainfall and flash flood

  Peak season: Jun–Aug

  Flash flooding is the deadliest hazard tied to rainfall, and most of those deaths are people driving into water they underestimated — six inches of moving water can stall a car, twelve can float one. Rainfall intensity, not just total inches, is what overwhelms storm drains and low-lying roads in a window of an hour or less.

• Extreme cold

  Peak season: Jan–Mar

  Extreme cold turns ordinary failures — a stalled car, a lost power connection, a wet coat — into emergencies far faster than people expect, and hypothermia risk starts well above freezing once wind and moisture are factored in. Frozen and burst pipes are the most common property-damage claim tied to cold snaps, and they are largely preventable with basic insulation and a known shutoff valve.

Rules worth knowing

• Emergency prescription refills: Up to a 30-day emergency refill (non-controlled) when the governor declares a state of emergency under A.R.S. § 32-1910(A)/(B); a second 30-day refill is allowed if the emergency continues 21+ days. Ends when the declaration is terminated.
• Summer utility shutoff protection: Summer disconnection moratorium, Jun 1 - Oct 15 (current cycle 2026); utilities may instead choose a temperature-based rule barring shutoff when 95°F+ or below 32°F is forecast (Arizona Corporation Commission).

Frequently asked