Take into Account Dust Storms and Flash Flooding When Selecting Phoenix Homeowners Insurance

Phoenix offers much for any family who chooses to call it home. But no matter where you live, the threat of severe weather and the damage it can cause is a very real possibility. And so being prepared with quality insurance coverage is a must. The two most common types of severe weather cost the state of Arizona millions of dollars a year.

Massive sand storms, also known as haboobs, are an ever-present threat to those living in Arizona. Caused most commonly by the collapse of a thunderstorm, a sand storm can be thousands of feet high, several miles long and sustain strong winds that can exceed 100 Mph. Visibility can be reduced in under a few seconds when a sand storm hits, and power can be interrupted to large areas of a city.

Flash flooding occurs when rapidly-moving waters flow over low-lying areas. Caused by intense and slow-moving thunderstorms, the amount of rain which falls is just too much for the ground to absorb quickly. Because of the speed of the rushing water of a flash flood, large amounts of debris can become swept up in the current, which represents one of the more significant dangers of this phenomenon.  Your Phoenix homeowners insurance policy will need to take this into account.

Know What to Do In a Sand Storm

Sand storms are predictable by meteorologists, who will often issue warnings when sand storms approach. The first and best line of defense is to heed any warnings that a sand storm is headed your way. If traveling in hot and dry conditions, check with local news stations to see if any weather statements have been issued. If already on the road, you may be able to reroute and avoid a sand storm altogether.

Be Prepared

Living in a storm-prone area like Phoenix demands preparation. A mask which filters out small particulates, along with airtight goggles will help you to protect yourself in the event you become stuck in a sand storm suddenly. A supply of water is another essential, as dehydration is a very real possibility during the dry heat and high winds. To avoid skin damage from sand particles hitting your body at such high velocity, carry clothing which covers your body with you. Winter sand storms can result in frigid temperatures, and so in this case, having warm clothing with you is best.

Watch the Speed

It may be possible to outrun a sand storm in your vehicle if you can see it coming from a significant distance away. While some storms can travel at speeds in excess of 70 Mph, most will travel much more slowly.

But if you have to have your gas pedal to the floor in order to outrun a sand storm, then you are putting yourself at great risk, which is not advisable by any means. If you can tell that a sand storm is catching up with you while you're on the road, the best thing to do is stop your vehicle and get prepared for the storm by putting on your mask, clothing and goggles. Not stopping could result in injury, as the reduction in visibility can occur in seconds.

What To Do When Visibility Drops and You're Moving

Should you find yourself  traveling down the road, and notice that visibility has dropped to below 300 feet, the best thing to do is get off the road you're on. If on a freeway, try and take the nearest exit. Once off the road, apply your vehicle's parking brake, and turn headlights, brake lights and signals off to avoid confusing other drivers who are looking for a guide and may think you are moving.

If you can't get off the road, engage your vehicle's hazard lights, reduce your speed and drive cautiously following the center line on the road, using your horn periodically until you can find a safe spot in which to pull over.

Protect Yourself in a Flash Flood

Officials have done much in recent years to decrease the incidences of flooding. But flash flooding is a different story, because it is harder to prevent due to its cause, which is unanticipated intense rainfall.

Wait It Out

Waiting out a storm before crossing a flooded area can be worth thousands of dollars. Even a large truck or SUV can float or be carried away completely in just two feet of water. And you can be carried away with it, which is definitely not worth the risk.

Keep Your Ears Open

Listening for local weather reports about storms surrounding your area can help you be prepared in the event of a flash flood. Don't think you are safe just because no rain has fallen in your area; many a hiker and others enjoying the outdoors have been caught unawares by flash floods because they weren't aware of what was happening around them.

Consider Flood Insurance

Because you won't get coverage for floods in your Phoenix homeowners insurance policy, flood insurance must be purchased separately. But if your home is located in an area not known to be frequented by flash floods, you may qualify for a preferred policy.


If you are in the market for a homeowners insurance policy, you have come to the right place.  Our useful resources enable you to get educated on virtually any major scenario you can think of, and help you to understand the importance of this type of coverage in your family's budget.

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