Jodi MorrisAZ License 1461741First licensed in Arizona in 2001Property, Casualty and LifeServing Phoenix and the East Valley
I'm Jodi Morris, based in Phoenix and first licensed as an Arizona insurance agent in 2001. I help people all over the East Valley, and while every city has its own quirks, the whole region shares the same monsoon, the same heat and a lot of new houses. Tell me where you are and what you're insuring.
A monsoon dust storm rolls toward a backyard in Gilbert, July 2011. Photo: KSM 1066a.JPG by Pictowrit, CC BY 3.0, cropped.
If you're looking for an East Valley insurance agency, it helps to know what the region has in common before you get into any one city. Monsoon wind, dust and flash floods hit from Tempe to Apache Junction, summer heat runs long, and towns like Queen Creek and San Tan Valley have grown fast enough that many homes and mortgages are new.
The region shares its weather, but each city guide leads with its own public numbers: theft and burglary, flood policies, housing age and the local business license.
According to NOAA's Storm Events Database, the National Weather Service's East Valley forecast zone logged 59 heat and 29 excessive heat events from 2021 through 2025. Heat wears out roofs, air conditioners and car batteries, and a homeowners policy pays for sudden damage rather than wear, so an aging AC unit is usually a maintenance cost, not a claim.
Source: NOAA Storm Events Database
According to NOAA's Storm Events Database, thunderstorm gusts reached about 81 mph near Mesa between 2021 and 2025, and a station in San Tan Valley measured 69 mph twice in 2022. Before the season, find out whether your wind and hail deductible is a flat dollar amount or a share of your dwelling coverage.
Source: NOAA Storm Events Database
According to NOAA's Storm Events Database, a July 2022 flash flood in Apache Junction caused an estimated $1.0 million in property damage. FEMA's FloodSmart program explains that standard homeowners policies exclude flood and that a new flood policy usually has a waiting period, so it has to be in place before the storm.
Sources: NOAA Storm Events Database, FEMA FloodSmart
According to the Census Bureau's 2010 and 2020 counts, Queen Creek grew 125.8% and Gilbert 28.5% in that decade, while Mesa, Chandler and Tempe grew far more slowly. New neighborhoods mean new mortgages, new drivers and new home businesses, and each one is a good moment to set coverage up on purpose instead of copying last year's.
Sources: Census Bureau, 2020 counts, Census Bureau, 2010 counts
Monsoon wind and hail, wash flooding that a home policy leaves out, long heat seasons and long drives. Home and auto coverage, explained
Every city and town writes its own license rules, and none of those licenses is insurance. How business insurance works
Growing families and new mortgages from Gilbert to San Tan Valley, where term life usually gets its first look. Life insurance in plain words
Not sure which East Valley city guide fits? Tell me where you are and I'll start there.
Sources: Census Bureau, population, City of Mesa general business license, San Tan Valley town code, ARS 28-4009
Usage varies, but it generally means the cities and towns east of Phoenix: Mesa, Chandler, Gilbert, Tempe, Queen Creek, San Tan Valley and Apache Junction, with Scottsdale and Fountain Hills to the northeast usually called the Northeast Valley.
Wind and hail damage are usually covered; flooding is not. Rising water from a wash or a flooded street needs a separate flood policy, and many home policies carry a separate deductible for wind and hail.
Yes. My Arizona license covers Property, Casualty and Life statewide, so whether you're in Queen Creek, Apache Junction or anywhere else in the East Valley, you can send me a question or call.
Tell me your city and what you're insuring, and I'll help you with the next step. Or just call me.
Arizona Insurance Producer License No. 1461741 (NPN 1461741)
