Flash Flood Watch
until MON 12:00 AM MST, Grand Canyon Country, Coconino Plateau, Yavapai County Mountains, Little Colorado River Valley in Coconino County, Little Colorado River Valley in Navajo County, Little Colorado River Valley in Apache County, Western Mogollon Rim, Eastern Mogollon Rim, White Mountains, Northern Gila County, Yavapai County Valleys and Basins, Oak Creek and Sycamore Canyons, Western Pima County including Ajo/Organ Pipe Cactus National Monument, Tohono O'odham Nation including Sells, Upper Santa Cruz River and Altar Valleys including Nogales, Tucson Metro Area including Tucson/Green Valley/Marana/Vail, South Central Pinal County including Eloy/Picacho Peak State Park, Southeast Pinal County including Kearny/Mammoth/Oracle, Upper San Pedro River Valley including Sierra Vista/Benson, Eastern Cochise County below 5000 ft including Douglas/Wilcox, Upper Gila River and Aravaipa Valleys including Clifton/Safford, White Mountains of Graham and Greenlee Counties including Hannagan Meadow, Galiuro and Pinaleno Mountains including Mount Graham, Chiricahua Mountains including Chiricahua National Monument, Dragoon/Mule/Huachuca and Santa Rita Mountains including Bisbee/Canelo Hills/Madera Canyon, Santa Catalina and Rincon Mountains including Mount Lemmon/Summerhaven, Baboquivari Mountains including Kitt Peak, Aguila Valley, Northwest Valley, Tonopah Desert, Gila Bend, Buckeye/Avondale, Cave Creek/New River, Deer Valley, Central Phoenix, North Phoenix/Glendale, New River Mesa, Scottsdale/Paradise Valley, Rio Verde/Salt River, East Valley, Fountain Hills/East Mesa, South Mountain/Ahwatukee, Southeast Valley/Queen Creek, Superior, Northwest Pinal County, West Pinal County, Apache Junction/Gold Canyon, Tonto Basin, Mazatzal Mountains, Pinal/Superstition Mountains, Sonoran Desert Natl Monument, San Carlos, Dripping Springs, Globe/Miami, Southeast Gila County

Rain totals could impact flood insurance for some Valley homeowners

PHOENIX (KSAZ) - It has now been the wettest October, and some homeowners have new problems thanks to all the rain, specifically flooding, leaving many wondering what's covered and what's not by insurance.

Leaky roofs are one thing, but a house full of water can have you scrambling to check your insurance policy.

"From the roof your covered, your toilet is covered, a leak in your wall in covered, under your door you are not, that is a flood, that is rising water from a God act and it's not going to be covered unless you have flood insurance, but you have to weigh your risk of what it's going to cost you for that protection," says Rasheda Worthy with Stinson & Associates.

We reached out to Rasheda Worthy on the phone Sunday. She said homeowners are mostly out of luck if they don't have flood insurance.

"You should be proactive about your home and prepare your property for rising water and be aware your current homeowners won't offer flood insurance," said Worthy.

But that doesn't mean she's recommending getting the extra coverage.

"No, I would say it would be very expensive and many insurance companies don't write it," explained Worthy.

It's been a wet year for sure, but Worthy says people might be better off just watching the weather and taking precautions.

"Preventative measures, leveling your patio with a slant, making sure your gutters are maintained, using sand bags at your door to soak up the water, just kind of have some preps in place," says Worthy.

Of course everyone is different. If you can afford it and live in a flood prone area, maybe you have flood insurance. And if you're thinking about getting it, you might have to shop around, not everyone writes it.