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The Fountain Hills fountain spraying high over the lake, with mountains behind

Insurance help for Fountain Hills homes, cars and families

Jodi Morris

Jodi MorrisAZ License 1461741First licensed in Arizona in 2001Property, Casualty and LifeServing Phoenix and the East Valley

I'm Jodi Morris, first licensed as an Arizona insurance agent in 2001. Fountain Hills homes are valuable, the washes that cross town can flood the roads in a monsoon, and a lot of residents work from home or are retired. Tell me what you're insuring and I'll help you sort out what to look at first.

(480) 228-0591Rather talk? Call me

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The fountain in Fountain Park, Fountain Hills. Photo: Fountain Hills Arizona.jpg by Philcomanforterie, CC BY-SA 4.0, cropped.

Fountain Hills, by the numbers that matter

Weighing your insurance in Fountain Hills, AZ? Three things stand out. According to the Census Bureau, the median home is worth $622,900 and the median age is 61.5. The washes that run through town flood the roads in heavy monsoon rain, and the Town of Fountain Hills licenses every business located or working in town.

Fountain Hills in three numbers, with sources

What stands out in Fountain Hills

Ashbrook Wash over the road

According to NOAA's Storm Events Database, Ashbrook Wash sent 6 to 12 inches of fast water over Fountain Hills Boulevard in July 2021, and in August 2021 it swept a sedan off El Pueblo Boulevard overnight. Flash flooding was reported in town again in 2022, and in September 2025 when Hesperus Wash flooded Richwood Avenue. A car caught in a wash is a comprehensive claim; water in the house needs a flood policy, which homeowners coverage doesn't include.

Sources: NOAA Storm Events Database, FEMA FloodSmart

High-value homes and the rebuild number

Per the Census Bureau, the median owner-occupied home in Fountain Hills is valued at $622,900, and the median home was built in 1994. A home policy should be set to what it would cost to rebuild, which isn't the same as market value, and custom finishes or a hillside lot can push that cost up.

Sources: Census Bureau, home value, Census Bureau, year built

A town license for every location

The Town of Fountain Hills requires every business located or doing business in town to hold a town license before it opens, with a separate license for each location, after Planning and Zoning approves it. The town lists annual renewal at $35 for businesses inside town and $50 for those outside. Per the Census Bureau, 14.3% of Fountain Hills workers are self-employed, and a license covers neither a client's injury nor your equipment.

Sources: Town of Fountain Hills business licenses, Census Bureau, class of worker

An older town that works from home

According to the Census Bureau, the median age in Fountain Hills is 61.5 and 30.5% of workers work from home. Later in life, life insurance questions tend to move from replacing a paycheck to leaving something behind, and a home office can hold business equipment that a homeowners policy only partly covers.

Sources: Census Bureau, median age, Census Bureau, means of transportation to work

Three Fountain Hills conversations worth having

  1. Car and home insurance in Fountain Hills

    High home values, washes that flood the roads, and a homeowners policy that leaves flood out. Home and auto coverage, explained

  2. Life insurance

    A median age over 60, when life insurance is more about what you leave than what you earn. Life insurance in plain words

  3. Business insurance

    A town license for every location, plus the home offices a homeowners policy only partly covers. How business insurance works

Jodi Morris

A Fountain Hills home, a car that crosses the washes or a business run from home? Ask me where to start.

Ask Jodi a questionCall (480) 228-0591

Where the Fountain Hills numbers come from

  • According to OpenFEMA data, 30 flood insurance policies are in force in Fountain Hills and only 5 of them are in mapped high-risk zones, so most of the town's flood policies cover homes outside the high-risk map.
  • Per the Census Bureau, Fountain Hills households keep 1.87 vehicles on average and workers average a 28.6-minute commute.

Sources: OpenFEMA flood policies, FEMA flood map, Census Bureau, vehicles per household, Census Bureau, travel time

Common questions

Do I need flood insurance in Fountain Hills if I'm not in a high-risk zone?

A lender usually won't require it outside the high-risk zones, but a homeowners policy doesn't cover flood. According to OpenFEMA data, most Fountain Hills flood policies are on homes outside those zones, so some of your neighbors decided it was worth having.

Does Fountain Hills require a business license for a home-based business?

According to the Town of Fountain Hills, every business located or doing business in town needs a town license before it opens, with Planning and Zoning approval, so a home-based business generally does too.

Is life insurance still worth looking at after 60?

It depends on what you want it to do. Some people want to cover a mortgage or final costs, others want to leave money to family, and the right type and amount follow from that goal and your health.

Jodi Morris

Living in Fountain Hills and weighing your options?

The house, the car or the business you run from home: tell me what's on your mind and I'll help you sort it out. Or just call me.

Arizona Insurance Producer License No. 1461741 (NPN 1461741)

Ask Jodi a questionCall (480) 228-0591