medications

Apache is functioning normally

Apache is functioning normally

When you buy a pet insurance plan, coverage doesn’t begin immediately. Instead, a waiting period applies before you can make any claims. Pet insurance companies set their own waiting periods, so they’re not the same across the board.

In rare cases, you may be able to get pet insurance with no waiting period, but it still won’t be instant. You’ll have to wait a few days while the company reviews your pet’s medical records and makes a decision.

What are pet insurance waiting periods?

A pet insurance waiting period is the time between when you buy a policy and when coverage begins. If your pet needs to visit the vet during the waiting period, you’ll have to pay for those expenses out of pocket.

🤓Nerdy Tip

Waiting periods generally apply to new policies or those reinstated after a lapse in coverage. If you renew your policy continuously, you usually won’t have to go through another waiting period.

Do any pet insurance companies have no waiting periods?

Most pet insurance companies have waiting periods, but the best ones don’t make you wait long. For example, MetLife’s accident coverage begins immediately, and illness coverage starts after 14 days.

One of the only pet insurance companies without a waiting period is Companion Protect. But you’re eligible only if you adopt a pet from one of its partner shelters, and coverage isn’t instant. There’s usually a delay between sign-up and policy activation while the company reviews your pet’s medical records. Also, a vet visit may be required if your pet hasn’t had one in the past 12 months. This delay acts as an unofficial waiting period.

How long do waiting periods last?

Pet insurance waiting periods may vary depending on where you live and the plan you choose. Below are typical waiting periods for some of the best pet insurance companies.

Can you get pet insurance retroactively?

You can’t buy pet insurance retroactively. If your pet shows signs of an illness or injury before you buy the policy or during the waiting period, it’s considered a pre-existing condition and typically won’t be covered.

🤓Nerdy Tip

If your pet insurance policy lapses, anything your pet has been diagnosed with up until that point can be considered a pre-existing condition and be excluded from coverage. Keep your policy active by paying your premiums on time and renewing before the expiration date.

Types of waiting periods

Pet insurance policies often have different waiting periods for different types of coverage. Here are some common waiting periods.

Accident waiting periods

Accident waiting periods typically last one to 14 days. They apply to accidental injuries like broken bones, fractured teeth, swallowed objects or bites from other animals.

Illness waiting periods

Illness waiting periods tend to be longer than accident waiting periods and can last from 14 to 30 days. They apply to illnesses like cancer, stomach issues, ear infections, heart conditions or allergies.

Waiting periods for orthopedic conditions

Some pet insurance plans have separate waiting periods for orthopedic conditions like hip dysplasia, patella luxation or ligament injuries. These waiting periods sometimes apply to dogs only and can be from 14 days to six months or longer.

For example, Embrace pet insurance coverage for orthopedic conditions in dogs begins after six months, but you can reduce it to 14 days by having your vet do an orthopedic exam. Healthy Paws’ hip dysplasia coverage begins after a 12-month waiting period and is available only to pets enrolled before age six.

Waiting periods for pre-existing conditions

There are two common types of pre-existing conditions: curable and incurable. Most pet insurance companies will cover curable pre-existing conditions that have been symptom-free for at least 180 days to 12 months.

Curable pre-existing conditions are temporary health issues that were treated and resolved before you bought insurance. They can include things like respiratory infections, urinary tract infections, vomiting and diarrhea.

Most pet insurance companies won’t cover incurable pre-existing conditions, but AKC is one exception. Once you’ve had your policy for 365 days, AKC may cover pre-existing conditions other companies may consider incurable, like allergies and chronic ear infections. (This coverage isn’t available in all states.)

Wellness plan waiting periods

Some pet insurance companies offer optional wellness plans to help cover routine services like check-ups, vaccinations and flea and tick prevention. Wellness plans often have no waiting periods.

Why do pet insurance companies have waiting periods?

Waiting periods protect insurance companies from people who sign up for coverage only after their pet gets sick or injured. Without waiting periods, pet owners could sign up for insurance as soon as an emergency happens, file a claim, then cancel their policy once they get a payout. This would increase risk for the pet insurance company and drive up premiums for everyone else. Waiting periods help lower this risk.

How to handle waiting periods

Waiting periods can be frustrating, especially if your pet needs medical attention during that time. Here are some tips for handling waiting periods.

Get insurance early

One way to minimize waiting periods and avoid pre-existing condition exclusions is to get pet insurance early in your pet’s life. The younger and healthier your pet is when you sign up for insurance, the less likely they are to have pre-existing conditions that could limit coverage.

🤓Nerdy Tip

If your pet already has pre-existing conditions, pet insurance may not be worth it. Think about your vet bills over the past few years. If most of them are related to incurable or chronic conditions that a new policy won’t cover, you may be better off creating an emergency fund for your pet.

Look for ways to limit out-of-pocket costs

If you need emergency pet care during a waiting period, there are things you can do to manage costs. Some veterinary clinics offer payment plans through third-party lenders. You can also look into CareCredit, a credit card for medical expenses.

If your pet needs expensive medications, ask your vet about generic alternatives or look into pet prescription discount programs from GoodRx or AARP.

Source: nerdwallet.com

Apache is functioning normally

Apache is functioning normally

Your pet is part of the family, and you’d do anything to keep them healthy and happy. But what happens if they need surgery? Will your pet insurance cover the cost? The answer isn’t always straightforward. Here’s when pet insurance typically covers surgery and when it doesn’t.

Does pet insurance cover surgery?

Pet insurance can help pay for surgery if your pet gets hurt or sick. This could include surgeries for broken bones, cancer, objects stuck in their stomach, emergencies, ligament problems or some dental issues. If you buy a wellness plan, you may also have coverage for spaying or neutering.

But pet insurance almost never covers surgeries for preexisting conditions or elective procedures like tail docking or dew claw removal.

Surgical procedures that pet insurance typically covers

Pet insurance policies typically pay for surgical procedures needed to treat an accident or illness. Depending on your policy, this may include:

  • Cancer treatments like tumor removal.

  • Removing objects like rocks, toys or sticks that pets accidentally swallow.

  • Emergency surgeries for life-threatening situations like bloat or internal bleeding.

  • Dental surgeries like tooth extractions or root canals caused by an illness or accident.

  • Surgeries for ruptured knee ligaments or hip dysplasia.

  • Procedures to treat hereditary and congenital conditions such as luxating patellas.

🤓Nerdy Tip

Many pet insurance companies won’t cover certain orthopedic issues for the first several months of your policy. Also, if your pet had a bilateral issue like hip dysplasia on one side of their body before you bought their policy, it may be considered a preexisting condition if it happens on the other side of their body. Pet insurance generally won’t pay to treat preexisting conditions.

Surgical procedures that pet insurance typically won’t cover

Pet insurance plans usually have a wide range of exclusions and limitations. Accident and illness plans often won’t cover:

  • Surgeries to treat conditions your pet had before coverage began.

  • Cosmetic or elective procedures like ear cropping, tail docking, gastropexy (a surgery to prevent bloat), microchipping, declawing or dew claw removal.

  • Breeding-related procedures like cesarean sections, spaying or neutering.

Some pet insurance companies offer preventive care plans that will cover some of the procedures above (such as spaying, neutering, microchipping or gastropexy).

🤓Nerdy Tip

Many pet insurers will cover curable preexisting conditions like vomiting and gastrointestinal issues if your pet has been treatment- and symptom-free for a certain period of time. Check with your insurer to see if any of your pet’s previous conditions are considered curable.

Common pet surgical procedures

While pet insurance doesn’t cover every type of surgery, it can help you save money on many procedures caused by accidents or illnesses. Here’s a look at common pet surgical procedures and whether insurance generally covers them.

Pet surgery

Generally covered by insurance?

ACL or CCL repair

Amputation

Cancer surgery

Fractures and dislocation repair

Hip dysplasia

Intestinal obstruction due to foreign body

Mass or tumor removal

Skin lacerations

Spay or neuter

No, except with some wellness plans.

How does surgery coverage work?

Surgery coverage is usually a standard part of accident and illness coverage. So if your pet needs surgery for a broken leg, tumor or cataracts — and it’s not related to a preexisting condition — insurance will likely cover it.

However, having pet insurance doesn’t guarantee that all veterinary bills will be paid. These policies typically have a deductible, a reimbursement rate and a maximum coverage limit per year or per incident. Depending on your insurer, you may also be responsible for paying exam fees related to the surgery.

  • The deductible is the amount you must pay before your pet insurer will begin covering your vet bills. Most insurers charge an annual deductible, but some assess deductibles per condition.

  • The reimbursement rate is the percentage of your vet bills your pet insurer will cover once you’ve reached your deductible. The percentage you cover is known as a copayment.

  • The maximum coverage limit is the total amount your pet insurer will pay per year or per incident. 

Say you have a pet insurance plan with a $500 deductible, 80% reimbursement rate and $10,000 annual limit. Your pet needs surgery to remove a tumor, which will cost $3,000.

First, you’ll need to pay the $500 deductible out of pocket. After that, your insurance will cover 80% of the remaining $2,500, which comes out to $2,000. You’ll be responsible for the remaining 20%, which comes out to $500.

So in total, you’ll pay $1,000 for the surgery ($500 deductible + $500 coinsurance), and your insurance will cover $2,000. If your pet needs follow-up care later in the year, you’ll have $8,000 left of your annual limit to cover any additional medical expenses.

How to file a claim for surgery costs

There are two ways to file a pet surgery claim.

The first way is with direct billing. With this option, you won’t have to pay your insurer’s part of the bill out of pocket. Instead, your pet insurance company will pay your vet directly.

Direct billing isn’t that common. Pets Best, Healthy Paws and Trupanion are some of the only pet insurance companies that will pay your vet directly. Your vet must also be willing to accept payments directly from providers.

The more traditional way to file a pet insurance claim for surgery is to pay the full amount upfront and then submit the claim to your insurance company for reimbursement. To do this, you’ll generally need to fill out your insurance company’s claim form and provide a copy of the itemized receipt or invoice from your vet.

Your insurance company will review your claim to make sure it meets the terms of your policy. If everything checks out, your insurer will reimburse you the covered amount, minus any deductible or copay.

Can you buy pet insurance before surgery?

Yes, you can buy pet insurance before your pet needs surgery, but that doesn’t mean your policy will pay for the procedure.

Pet insurance doesn’t cover preexisting conditions, so any medical condition your pet was diagnosed with before you bought the policy won’t be covered.

Pet insurance plans also have waiting periods, the length of time between when you buy your plan and when insurance will start covering eligible treatments. Common waiting periods are 14 days for illness coverage and 48 hours for accident coverage.

How top pet insurance companies cover surgery

To give you an idea of how different pet insurance companies cover surgery, we looked at three insurers from our list of the best pet insurance companies.

Embrace surgery coverage

Embrace‘s standard policy covers exams, treatment, hospitalization and surgery for injuries and illnesses, including cancer. But you’ll need to add a wellness plan to get coverage for spaying and neutering. Embrace won’t cover surgeries arising from preexisting conditions, fighting, racing or mistreatment.

Figo surgery coverage

Figo pet insurance covers surgeries, prescription medications and diagnostic testing for accidents and illnesses. But preexisting conditions aren’t covered unless they’ve been cured and the pet is symptom-free for at least 12 months. Figo has wellness plans for things like vaccines, routine exams, dental cleaning, and spay or neuter surgery.

Pets Best surgery coverage

Pets Best’s surgery coverage is included in its accident and illness plan. The policy can also cover pre- and post-surgical care like diagnostic tests, prescription medication and physical rehabilitation. Add a wellness plan if you want coverage for spay or neuter surgery.

Source: nerdwallet.com

Apache is functioning normally

Nevada is known for its dry climate, untouched natural wonders, and tall, forested mountains. The majority of the state is a plateau, with deep valleys and tall peaks. It has many climate zones, ranging from warm mediterranean in the western part of the state, to vast desert in the south, to high desert in the north. 

Weather patterns generally range from dry and hot in metros like Las Vegas, to dry and cooler in areas such as Elko and Genoa. However, throughout the state, weather can often turn into natural disasters, like flooding, wildfires, and heat waves. When these happen, it’s essential to be prepared. 

So what are the most common natural disasters in Nevada, how are they changing, and what can you do to prepare? Whether you’re planning a move to Las Vegas or are looking at apartments in Reno, read on for everything you need to know. 

1. Nevada drought

Drought is a serious issue in Nevada, which is already the driest state in the US, receiving an average of 9 inches of precipitation per year. The state is one of many in the Colorado River Basin that has been dealing with a long-term “megadrought.” This drought hit a peak in spring 2022, when 100% of Nevada’s population was experiencing severe to exceptional drought. This prompted the federal government to enact a tier two water shortage for the state, which is still in place. 

The state’s water supply primarily comes from the Colorado River at Lake Mead, which has been shrinking due to chronic overuse and reduced precipitation. To help, Nevada has been working with the other six “basin” states who rely on the Colorado River to reduce water use and prevent an emergency that would require dramatic Federal action. Recently, the Lower Basin States of California, Arizona, and Nevada pledged to save around 1 billion gallons of water by 2026. 

Southern Nevada has already adopted extremely strict water conservation measures, reducing water usage by 26 billion gallons compared to 2002, even though its population increased by over 750,000. 

Droughts are exacerbated by warmer average temperatures, and can also increase the frequency and severity of other disasters, such as forest fires, dust storms, and heat waves.

How to prepare for drought in Nevada

Because Nevada has been experiencing drought for decades, it’s important to adapt your lifestyle to accommodate lower water use and prepare for future restrictions. For example: 

2. Nevada wildfires

Wildfires are a major disaster in Nevada. In fact, from 2000-2018, wildfires burned more than double the number of acres compared to 1980-1999. Recently in 2018, the Martin and Sugarloaf Fires burned nearly 1 million acres. While most wildfires occur in the northern parts of the state, they can happen anywhere. 

Most people don’t live within 20 miles of a recent active wildfire, excluding the mountainous cities of Reno and Carson City. However, according to data from First Street Foundation, 60% (733,893) of properties in Nevada are at risk of being affected by a wildfire in the next 30 years. Importantly, only 27% of properties in Las Vegas are at risk of being impacted by a wildfire, with most risk confined to Summerlin South, Enterprise, and nearby areas. 

The state’s dry season from May through September (excluding monsoons), combined with parched forests, sets the stage for devastating fires that can spread rapidly. Prolonged drought and heat waves exacerbate the severity of wildfires. The primary causes of wildfires in Nevada are human activity and monsoon lightning. And in southern Nevada, where there are fewer trees, most wildfires are caused by target shooting and fireworks. 

Wildfires can also devastate the landscapes and hillsides of northern Nevada, making them more susceptible to flooding, landslides, and mudslides, especially during intense rainfall. 

How to prepare for wildfires in Nevada

If you intend to move to Nevada or already live in the Golden State, preparing for wildfires is essential. Here are some tips to help: 

  • Create a defensible space around your property by removing flammable materials and trimming or removing dry vegetation. 
  • Install interior and exterior sprinkler systems, if you have access to enough water and drought restrictions don’t prohibit it.
  • Install a generator to keep the power running in case of power outages. 
  • Stay updated on fire weather forecasts and follow all fire restrictions. 
  • Prepare for poor air quality by purchasing an air purifier and installing HEPA air filters on air conditioning units.
  • Build an emergency kit with essentials and valuable documents.
  • Ensure your insurance adequately covers fire damage, or, if the rising premiums are too high, understand the risks of going uninsured. 
  • Work with your community. This is the most successful way to mitigate fire risk in your neighborhood.

3. Nevada heat waves

Hot, dry weather is common throughout Nevada, especially in the Southern parts of the state, where most of the population lives. Summer temperatures can reach over 100 degrees Fahrenheit throughout the state, especially in July and August. Most recently, during a heatwave in 2023, Las Vegas recorded temperatures above 100 degrees every day in July, with two weeks hitting a daily average temperature of 100.7. The city also hit 110 ten days in a row. 

According to First Street Foundation, 66% (1.2 million) of homes in Nevada currently have a Severe Heat Factor, meaning the average daily temperature is at least 95 degrees Fahrenheit for the hottest month of the year. The overwhelming majority of homes at risk are in Clark County, which is home to Las Vegas. 

Cities often feel the heat worse than rural areas due to the urban heat island effect. Las Vegas is the worst heat island in the country, experiencing a 5.76 degree difference between urban and rural temperatures. Las Vegas is also the fastest warming city in the US, with average temperatures increasing nearly 6 degrees since 1970. 

How to prepare for heat waves in Nevada

Heat waves can be intense and cause health issues, including heat stroke and dehydration. As such, it’s essential to be prepared when they arrive. Here are a few ways to stay cool in extreme heat:

  • Stay updated on forecasts and advisories.
  • Prepare a meal plan that doesn’t involve cooking indoors. 
  • Stay hydrated before, during, and after a heat event. 
  • Make sure your air conditioning is functioning properly.
  • Install a generator in case the power goes out due to strained utility systems. 
  • Limit outdoor activities to the early morning and late evening. 
  • Switch from incandescent to LED light bulbs. 
  • Stock up on lightweight, protective clothing.
  • Close blinds, shades, and curtains. 

4. Nevada flooding

Nevada is known for its dry climate, but it’s actually very prone to flooding. 11% of properties in Nevada have a chance of being severely affected by flooding in the next 30 years, with most located in the mountains and highlands. 

Nevada’s flood risk profile is marked by its dry climate, which makes it particularly susceptible to regional and flash floods year-round. Some cities also have a risk of riverine flooding. Recently, in February and March 2023, the winter storms that hit the Sierra Nevadas prompted a disaster declaration in Nevada for flooding, landslides, and mudslides. And, later in the year, an intense late summer monsoon caused flash flooding throughout Clark County. 

Nevada is also prone to snowmelt flooding. The Carson Range and nearby peaks in Northwestern Nevada can receive substantial snowfall in the winter, often through winter storms and blizzards. And as temperatures rise in the spring and summer, this snow can melt rapidly, especially during an early heat wave. 

How to prepare for flooding in Nevada

In Nevada, preparing for a flood is essential, particularly during sudden intense rain and snowmelt events. Because a large portion of the state is prone to flash flooding, you may not have much time to prepare, so it’s critical to practice and have supplies ready during the spring and summer. Here are a few tips to help:

  • Familiarize yourself with flood risk maps for your area to see your potential risks.
  • Consider flood insurance if you’re in a high-risk zone. 
  • Keep emergency supplies on hand, including non-perishable food, water, medications, and important documents. 
  • Elevate valuable items in flood-prone areas of your home, and install sandbags or barriers if necessary.
  • Invest in flood sensors. 
  • Stay tuned to weather forecasts and alerts, and have a communication plan in place with your family.

5. Nevada earthquakes

Earthquakes are a major risk in Nevada. The state is home to thousands of fault lines, and many regions experience dozens of tiny earthquakes every day. The most notable region is the Walker Lane, which is a trough consisting of thousands of fault lines that pass through most of the Western border of Nevada and into southern California. This is where most geologic activity occurs, although there are notable major faults in the Las Vegas Valley. Reno and Carson City, located along the Walker Lane, are at a particularly high risk, although Las Vegas would suffer far more damage. 

There have been 23 earthquakes with a magnitude 6 or greater since the 1840s, with the most recent being the Ridgequest quakes in 2019. 

While earthquakes are infrequent, they are by far the most destructive type of disaster in Nevada when they hit. Additionally, Nevada can also be affected by earthquakes with epicenters in California, such as the recent quake in the Sierra Nevadas that was felt in Reno. 

How to prepare for earthquakes in Nevada

Earthquakes are irregular but destructive and can cause significant damage to structures, utilities, and water systems. Main shocks can last for minutes, while aftershocks can last for years. They can also strike suddenly, at any time, with only seconds of warning. As such, preparing your home is critical. Here are a few tips to help:

  • Practice drop, cover, and hold on, so you’re ready when a quake hits. 
  • Purchase earthquake insurance to cover some losses in the event of a quake. This is a separate policy that you purchase in addition to regular homeowners’ insurance. It’s also available to renters.
  • Make sure you have a durable, charged communication device in case of an emergency. 
  • If you rent, ask your landlord about the building’s seismic history. 
  • Keep your emergency kit stocked, updated, and accessible. 
  • Anchor heavy items to the wall, strap down expensive electronics, and secure small valuables. 
  • Brace your water heater according to state law.
  • Ensure your gas lines have flexible connections.
  • If you live in a house built before 1980, it will likely need to be retrofitted. Don’t do this yourself; hire a seismic retrofitting professional. 

Final thoughts on natural disasters in Nevada

Nevada’s climate is diverse, dry, and pleasant. Drought, fire, heat, flooding, and earthquakes make it a varied and unpredictable place to live. Many cities in Nevada, especially Las Vegas, continue to be the most popular migration destinations, primarily due to people’s desire for sun. Because of this, the state’s population has increased by over 70,000 since 2020.

If you’re considering moving to Nevada or already call The Silver State home, make sure you’re prepared for natural disasters and long-term weather events. Understanding your risks and adequately preparing are helpful to make the most out of living in Nevada. The National Weather Service and University of Nevada, Reno offer experimental maps that show forecasted and past risks in any given area, which can help you prepare. 

Lastly, many natural disasters are worsened by climate change. So no matter how you prepare, reducing your carbon footprint and pushing for systemic change are the best long-term solutions. 

This article is for informational purposes only. Individual results may vary. This is not intended as a substitute for the services of a licensed and bonded home services or disaster prevention professional. Always seek expert advice and follow all official guidance before, during, and after a disaster.

Source: redfin.com

Apache is functioning normally

California is known for its varied, lush landscapes, rich history, and high quality of life. It has 16 climate zones, ranging from dry desert basins and coastal hills, to snowy peaks and ancient forests. There’s a climate for everyone in California, which has made it a very appealing place to live. 

Weather patterns generally range from mild and wet in coastal metros like San Francisco, to more dry and extreme in southern and mountainous cities like Palm Springs and Truckee. However, weather can often turn into natural disasters like flooding, heat waves, and wildfires. When these happen, it’s essential to be prepared. So what are the most common natural disasters in California, how are they changing, and what can you do to prepare? Whether you’re planning a move to San Diego or are looking at apartments in San Jose, read on for everything you need to know.

1. California wildfires

Wildfires are the major disaster in California and have catastrophic impacts. They are by far the most common and destructive type of disaster in the state, and most years, California leads the nation in wildfires and acres burned. Most recently, the August Complex and Dixie Fires burned nearly 2 million acres.These fires cost hundreds of millions of dollars to fight, and created dangerous air quality across the Western US. 

California is also unique in how frequently fires affect people’s homes. From 2000-2019, over 70% of people living within the perimeter of wildfires in the US lived in California. Additionally, according to data from First Street Foundation, 71% (8.15 million) of properties in the state are at risk of being affected by wildfires.

The state’s dry season from spring through late autumn, combined with parched forests throughout the state, sets the stage for devastating fires that can spread incredibly quickly. Prolonged drought, heat waves, and windy weather are the primary causes of wildfires, which are becoming increasingly common as climate change progresses. Aging electrical infrastructure also plays a role. 

Wildfires can also devastate landscapes and hillsides, making them more susceptible to flooding, landslides, and mudslides.

How to prepare for wildfires in California

If you’re planning on moving to California or already live in the Golden State, preparing for wildfires is essential. Here are key tips to help: 

  • Create a defensible space around your property by removing flammable materials and trimming or removing dry vegetation.
  • Develop an emergency plan that includes evacuation routes and a communication strategy.
  • Install interior and exterior sprinkler systems, if you have access to enough water.
  • Install a generator to keep the power running in case of power outages. 
  • Stay updated on fire weather forecasts and follow all fire restrictions. 
  • Prepare for poor air quality by purchasing an air purifier and installing HEPA air filters on air conditioning units.
  • Assemble an emergency kit with essentials and valuable documents.
  • Ensure your insurance adequately covers fire damage, or, if the rising premiums are too high, understand the risks of going uninsured. Unfortunately, due to more frequent disasters, high interest rates, and a desire for less regulation, many insurance companies are no longer offering insurance to homeowners in California. 
  • Collaborate with your community to prevent fires. This is the most successful way to mitigate fire risk in your neighborhood.

2. California drought

Drought has been a severe issue in California for decades. From 2011 to 2022, the issue was extremely acute as reservoirs were drying up, prompting many water conservation regulations. California is one of many Southwestern states dealing with a megadrought that has plagued the region since 1990, primarily due to rising average temperatures and significantly reduced rainfall. 

However, because of record snowfall and a wet spring in 2023, most of California is no longer experiencing a drought. That said, this will likely be short-lived due to climate change, chronic groundwater overuse, and a declining Colorado River. 

Droughts differ from other natural disasters because they are often long-term events, rather than flooding or snowstorms that will generally pass in a day to a few weeks. However, the effects can be dramatic and significantly alter daily life. For example, some towns in the San Joaquin Valley have no access to fresh water and must rely on private companies and bottled water. 

Droughts can also increase the frequency and severity of other disasters, such as forest fires, dust storms, and heat waves.

How to prepare for drought in California

Because drought has already existed in California for decades, it’s important to adapt your lifestyle to accommodate lower water use and prepare for future restrictions. For example: 

3. California flooding 

California is known for its pleasant weather, but it’s actually very prone to flooding. In fact, from 1950-2017, floods prompted the second most disaster declarations, after wildfires. Floods have also affected people; 23% of properties in California have a chance of being severely damaged by flooding in the next 30 years.

A large portion of California is susceptible to flooding because much of it lies in an old lakebed and subsequent drainage areas. For example, a large portion of the Central Valley lies in an ancient lakebed that helped drain the Sierra Nevadas. Due to urbanization, dams, and agriculture, the lake was slowly drained and parts of it remain as dangerous floodplains during wet years.

In California, flooding is generally caused by dramatic rainfall, dam failures, snowmelt, and high tides. Most recently, from October 2022 to March 2023, California was battered by 31 atmospheric rivers, bringing record rainfall and snowpack to the state. While this dramatically improved the state’s drought outlook, it caused flooding and widespread damage. Flooding continued into the spring as the massive snowpack began to melt. 

Climate change is causing precipitation in California to fall more irregularly but intensely, leading to more flooding. 

How to prepare for flooding in California

Flood risks are different throughout the state, and preparation varies depending on where you live. For example, San Francisco and Sacramento are more susceptible to riverine flooding and levee failure, while Los Angeles is prone to flash flooding. Regardless, here are a few tips to help you prepare for floods:

  • Review the flood risk map for your area to see your potential risks.
  • Consider flood insurance if you’re in a high-risk zone. 
  • Keep emergency supplies on hand, including non-perishable food, water, medications, and important documents. 
  • Elevate valuable items in flood-prone areas of your home, and install sandbags or barriers if necessary.
  • Stay tuned to weather forecasts and alerts, and have a communication plan with your family. 

4. California landslides and mudslides

Landslides pose a significant risk to homeowners in California. They are a particularly bad natural disaster in regions with steep terrain, on the coast, and areas that have been affected by wildfires. Factors such as heavy rainfall, earthquakes, rapid snowmelt, and even construction or excavation can trigger landslides. Mudslides are similar to landslides and can develop in tandem or on their own after heavy rainfall or snowmelt. Importantly, mudslides are generally caused by weather events, as opposed to landslides which can be caused by naturally shifting rock.

Many areas of Southern California are at a higher risk of landslides and mudslides due to more severe fires followed by heavier rains. And as the fire season gets longer and the rainy season gets shorter but more intense, this is expected to worsen. Small landslides will now likely occur throughout the state every year, while major landslides are expected every 10-13 years. 

How to prepare for mudslides in California 

The most important part of preparing for a landslide is thinking ahead and familiarizing yourself with the landscape. Importantly, don’t build a home or structure near steep slopes, close to mountain edges, or along natural erosion valleys. This helps you minimize your risk without retrofitting or additional procedures. Here are some additional tips to help: 

  • Consult a professional for retrofitting, such as flexible pipe fittings.
  • Plant ground cover on slopes, and build retaining walls around your property. 
  • Build channels or deflection walls to direct mudflow around your home. However, if you build walls that direct flow into a neighbor’s property, you may be liable for damages. 
  • Consider purchasing additional insurance coverage, as standard homeowners insurance policies generally don’t cover damage from landslides or mudslides. If the landslide was the result of an earthquake or flooding, earthquake insurance or flood insurance may cover it. 
  • Stay alert during periods of heavy rain or seismic activity and follow any warnings from local authorities.
  • Recognize warning signs, such as new or widening cracks in your home’s structure, bulging ground, or unusual sounds.

5. California snowstorms and blizzards

Winter storms and blizzards are significant concerns in California, especially in the Sierra Nevadas. Recently, in February and March 2023, a string of storms brought many feet of snow to a majority of the state, prompting blizzard warnings throughout the state, including San Diego and Los Angeles counties. However, even though the storms were destructive, they helped increase the state’s snowpack to a record high. 

In California, snowstorms often come from atmospheric rivers hitting the tall Sierra Nevada mountains. Sometimes, storms can also affect the San Gabriel and San Bernardino mountains. These can bring many feet of snow over the course of a few hours to days, leading to road closures, power outages, downed trees, stranded travelers, and limited access to emergency services. 

Snowstorms can also turn into blizzards, which means that there are high sustained winds and low visibility (below ¼ of a mile for at least three hours). 

How to prepare for snowstorms and blizzards in California

Preparing for severe winter weather events is crucial to ensuring your safety and minimizing impact on your home and family. Here are a few tips to help you prepare for winter:

  • The first thing you should do is winterize your home by inspecting your roof, clearing gutters, cleaning your chimney, insulating your attic, checking your heating system, and insulating your pipes.
  • Update your emergency kit to include extra warmth. 
  • Keep a supply of firewood or alternative heating sources in case the power goes out. 
  • Equip your vehicle with chains, extra blankets, a shovel, and emergency supplies. 
  • Stay updated on weather forecasts and make sure you have a reliable method of communication.

6. California earthquakes

Earthquakes are a major risk in California. The state is home to over 15,700 fault lines, and many regions experience dozens of tiny earthquakes every day. If you move to the state, you’ll likely live within 30 miles of an active fault zone. Additionally, many Californians are anxiously awaiting the next “Big One,” which is predicted to occur along the southern section of the San Andreas Fault and would likely be devastating. 

There have been 16 notable earthquakes since 2010, with the most recent being the Ferndale quake in 2022. The California State Government offers an interactive map that shows all fault lines in the state, along with cities at risk. If you’re planning on moving to California and want to avoid areas at risk of shaking, use this map to help. 

How to prepare for earthquakes in California

Earthquakes are irregular but destructive and can cause significant damage to structures, utilities, and water systems. Main shocks can last for minutes, while aftershocks can last for years. They can also strike suddenly, at any time, with only seconds of warning, so preparing your home is critical. Here are a few tips to help: 

  • Purchase earthquake insurance to cover some losses in the event of a quake. This is a separate policy that you purchase in addition to regular homeowners’ insurance. It’s also available to renters.
  • Download the MyShake App and make sure you have a durable, charged communication device in case of an emergency. 
  • If you rent, ask your landlord about the building’s seismic history. 
  • Practice drop, cover, and hold on, so you are ready when a quake hits. 
  • Keep your emergency kit stocked, updated, and accessible. 
  • Anchor heavy items to the wall, strap down expensive electronics, and secure small valuables. 
  • Brace your water heater according to state law
  • Ensure your gas lines have flexible connections.
  • If you live in a house built before 1980, it will likely need to be retrofitted. Don’t do this yourself; hire a seismic retrofitting professional. 
  • If you live near the coast, you should also prepare for a possible tsunami following an earthquake. Understand your evacuation routes and be on the watch for official warnings.

Final thoughts on natural disasters in California

California’s climate is known as the land of extremes. Winter storms, summer heat, earthquakes, landslides, drought, wind, and more make it a varied and unpredictable place to live. While it has historically been one of the top migration destinations, recently, it’s a state many people are moving out of (partly due to the high cost of living in coastal cities). Because of this, the state’s population has declined by over 1.5% since 2020.

If you’re considering moving to California or already call the Golden State home, make sure you’re prepared for natural disasters and long-term weather events. Understanding your risks and adequately preparing are helpful to make the most out of living in California. The National Weather Service also offers an experimental map that shows all forecasted risks for the upcoming seven days. 

Lastly, many natural disasters are worsened by climate change. So no matter how you prepare, reducing your carbon footprint and fighting for systemic change are the best long-term solutions. 

This article is for informational purposes only. Individual results may vary. This is not intended as a substitute for the services of a licensed and bonded home services or disaster prevention professional. Always seek expert advice and follow all official guidance before, during, and after a disaster.

Source: redfin.com

Apache is functioning normally

Arizona is known for its dry, warm weather and scenic desert vistas. It has a wide range of climate zones, from dry desert basins, to tall, snowy highlands. This has made the state a very appealing place to live, especially during the spring and fall. 

Weather is typically on the extreme end throughout the state, from hot summers in Phoenix to cold winters in Flagstaff and the nearby Grand Canyon. However, sometimes these extremes turn into natural disasters, ranging from extreme heat to flash floods. When these happen, it’s essential to be prepared. 

So what are the most common natural disasters in Arizona, how are they changing, and what can you do to prepare if you live in the state? Whether you already own a home in Scottsdale or are looking at apartments in Tucson, read on for everything you need to know. 

1. Arizona heat waves

Hot, dry weather is common throughout Arizona, especially in the Southern parts of the state, where most of the population lives. Summer temperatures often reach well over 100 degrees Fahrenheit in Phoenix, and in July 2023, temperatures were above 110 degrees for a record 31 straight days. 

According to First Street Foundation, nearly 53% (1.7 million) of homes in Arizona currently have an Extreme Heat Factor, meaning the average daily temperature is at least 104 degrees Fahrenheit for the hottest month of the year. This is expected to grow. 

Cities often feel the heat worse than other areas due to the urban heat island effect. Phoenix, for example, can be 10-15 degrees Fahrenheit warmer in the evenings than nearby rural areas. The state government is taking an active role in mitigating this issue, such as utilizing cooling technologies and incorporating more native plants. 

How to prepare for Arizona heat waves

Heat waves can be intense and last for days, so preparing is essential. Here are a few ways to stay cool in extreme heat:

  • Stay updated on forecasts and advisories.
  • Prepare a meal plan that doesn’t involve cooking indoors. 
  • Stay hydrated before, during, and after a heat event. 
  • Make sure your air conditioning is functioning properly.
  • Switch from incandescent to LED light bulbs. 
  • Stock up on lightweight, protective clothing.
  • Close blinds, shades, and curtains. 

2. Arizona drought

Arizona is especially sensitive to drought, even during average rainfall years. Unfortunately, much of the state is currently dealing with a long-term drought that has been affecting the Southwestern US since 1990. This “megadrought” is due to rising average temperatures and significantly reduced rainfall, which has been exacerbated by human-caused climate change. 

Droughts are complicated events that are usually the result of dozens of factors. In Arizona, the primary factors have been reduced rainfall and a shrinking Colorado River, which supplies 36% of Arizona’s water.

Droughts are different from other natural disasters because they are usually long-term events, rather than flooding or dust storms that will generally pass in a day. However, the effects can be dramatic and significantly alter daily life. For example, the Arizona government was recently forced to limit or halt new construction projects around Phoenix due to lack of available groundwater. 

Droughts can also increase the frequency and severity of other disasters, such as forest fires, dust storms, and heat waves.

How to prepare for Arizona drought

Because drought has been in place in Arizona for decades already, it’s important to adapt your lifestyle to accommodate lower water use and prepare for future restrictions. For example:

3. Arizona wildfires

Wildfires are common in Arizona. In fact, 74% of properties are at risk of being affected by a wildfire within the next 30 years, one of the highest percentages in the country. 

The state’s hot and dry climate, combined with forested mountains in the northern parks of the state, sets the stage for potentially devastating fires. Prolonged droughts, scorching temperatures, and intermittent high winds create a recipe for ignition and rapid fire spread. 

The risk of wildfires is worse in May and June until the monsoon season arrives. This is usually when it’s hottest and driest, which helps fuel monsoon activity but leads to dangerous conditions for weeks to months until rain comes.

Wildfires can also lead to parched landscapes, which makes them more susceptible to flooding. 

How to prepare for Arizona wildfires

In Arizona, preparing your home and yourself for wildfires is crucial, especially during the summer. Here are a few tips to prepare: 

  • Create a defensible space around your property by removing flammable materials and trimming or removing dry vegetation.
  • Develop an emergency plan that includes evacuation routes and a communication strategy.
  • Stay updated on fire weather forecasts and adhere to fire restrictions. 
  • Assemble an emergency kit with essentials and valuable documents.
  • Ensure your insurance adequately covers fire damage, or if the rising premiums are too high, understand the risks of going uninsured. 
  • Collaborate with your community to prevent fires. This is the most successful way to mitigate fire risk in your neighborhood. 

4. Arizona flooding

Arizona is a relatively dry state, but flooding is actually a major threat; 18% of properties are at risk of flooding in the next 30 years. Arizona’s flood risk profile is marked by its arid climate, which makes it particularly susceptible to regional and flash floods despite its reputation for low rainfall. The state is also home to many rivers, mountains, and valleys, which can lead to flooding. 

Much of the state’s rugged topography, concrete cities, and dry soil cannot easily absorb sudden heavy downpours, causing water to rush across the surface and overwhelm drainage systems. Even sporadic, intense rainfall events in the highlands during the summer monsoon season can trigger devastating flash floods that pose serious threats to communities and infrastructure. 

How to prepare for Arizona flooding

In Arizona, being prepared for flooding is essential, particularly during sudden intense rain and snowmelt events. Because Arizona is prone to flash flooding, you may not have much time to prepare, so it’s critical to practice and have supplies ready during the spring and summer. Here are a few tips to help:

  • Familiarize yourself with flood risk maps for your area to see your potential risks.
  • Consider flood insurance if you’re in a high-risk zone. 
  • Keep emergency supplies on hand, including non-perishable food, water, medications, and important documents. 
  • Elevate valuable items in flood-prone areas of your home, and install sandbags or barriers if necessary.
  • Stay tuned to weather forecasts and alerts, and have a communication plan in place with your family. 
jeff1farmer via Getty Images

5. Arizona dust storms

Arizona is renowned for its breathtaking landscapes and arid climate, but it also faces the looming threat of dust storms, known as “haboobs.” The state’s arid desert terrain, characterized by vast open spaces and loose, dry soil, creates the ideal conditions for these intense dust storms to form. They most often occur during the summer monsoon season and are created by strong downdrafts associated with thunderstorms. 

Dust storms are often unpredictable, can be miles long and thousands of feet high, and may last up to an hour. When they hit, it’s essential to protect yourself; inhaling too much dust can be dangerous and may cause valley fever, which is caused by fungal spores that live in dry soil. 

How to prepare for Arizona dust storms

You may receive official warnings for dust storms, but they’re often unpredictable. Here are a few tips to help you prepare:

  • To ensure you’re always prepared, follow commonsense preventive measures and make sure to keep a mask with you at all times during the summer months.
  • If you plan on driving, remember to pull off the road, turn off your lights, and turn off your car if a dust storm is approaching.
  • In your home, close windows, doors, vents, and any other opening to prevent dust from getting inside. 

Final thoughts on natural disasters in Arizona 

Arizona is a rich state full of history and abundant nature, making it a very appealing place to live. Phoenix has consistently been one of the fastest growing cities in the US, and is a top migration destination for homebuyers seeking the sun. 

If you’re planning on moving to Arizona or already call the state home, make sure you’re prepared for possible natural disasters and long-term weather events. Understanding the risks and adequately preparing will help you make the most out of living in Arizona. The National Weather Service also offers an experimental map that shows forecasted risks for the current seven-day period. This may be helpful as you prepare for a disaster. 

It’s important to note that many natural disasters are worsened by climate change. So no matter how you prepare, reducing your carbon footprint is the best long-term solution. 

This article is for informational purposes only. Individual results may vary. This is not intended as a substitute for the services of a licensed and bonded home services or disaster prevention professional. Always seek expert advice and follow all official guidance before, during, and after a disaster.

Source: redfin.com

Apache is functioning normally

With sunshine almost every day and amazing landscapes full of picturesque mountains and centuries-old cacti, living in Arizona provides daily wonder. Beautiful homes, a strong economy and cities for every stage of life enhance the appeal of the state.

Arizona is an accessible place to live, mostly. You’ll definitely find pockets where the cost of living is on the higher side, but you pay for what you get in Arizona, and the state has a lot of high-end amenities.

To ensure your ideal Arizona city aligns with your budget, it’s best to do some simple price comparisons. Looking at the key components that make up your overall cost of living can help you decide which city in Arizona is really best for you.

Arizona housing prices

Housing prices throughout Arizona hit on both sides of the national average. Some are slightly below, others edge a little high. The highest is Lake Havasu City, a popular retirement destination and also a favorite when it comes to renting houseboats for vacation. The housing price in Lake Havasu City is 88.7 percent above the national average. Pretty significant.

Most other cities, especially those attracting large volumes of people, sit within a more reasonable range.

Bullhead City

With a reputation of being a great place for retirees, the average age of Bullhead City residents is a little on the older side. However, the city’s proximity to both Las Vegas and the California border makes it great for anyone who wants road-tripping options.

Housing prices here are still below the national average by 3.9 percent, and two-bedroom apartments have seen no increase in cost since last year. They’re holding steady at $988 per month. One-bedroom apartments are holding steady at a reasonably priced $688.

Homes are a little pricer than you might expect, and the average home prices in Bullhead City are $470,400.

Flagstaff

Unique in Arizona, Flagstaff actually gets snow. In fact, it has its own local ski resort. Outdoor activities, as a result, are a huge draw for residents in this area. In addition to skiing, there’s plenty of hiking. And, with cooler weather year-round than in other Arizona cities, it’s never too hot to go outside. All of this comes packaged in a city with a small-town feel, but it’s not cheap.

Housing prices are 31.6 percent above the national average and home prices are pretty high. Up 24 percent, the median home price in Flagstaff is $677,500.

Rent prices are also on the high end and increasing over last year. Two-bedroom apartments are increasing at the fastest rate, up 21 percent over last year to an average monthly rent of $1,907. One-bedroom apartments have risen by 22 percent over last year to an average monthly rent of $1,682.

Phoenix

Stretching its boundaries pretty far, Phoenix is a huge city with plenty of unique pockets throughout. Amenities, entertainment and professional opportunities are all thriving as this city continues to grow. High-quality living is the norm here, but not everything costs an arm and a leg. Housing prices, though, are above the national average, but only by 14.4 percent.

This puts average rents at higher numbers than we’ve seen so far, and they’re rising. One-bedroom apartments average out at $1,443 per month, up 39 percent over last year. Two-bedroom apartments are averaging out at $1,625 per month, up 24 percent over last year.

Housing prices are also rising at a similar rate, up 24.8 percent over last year. That puts the median home price in Phoenix at $470,000.

Tucson

Laid back and full of art and culture, Tucson is so much more than just a college town. Home to the University of Arizona, the city is also known for its year-round activities and indie vibe. A popular destination, housing prices are 3 percent above the national average.

Both home prices and rental costs are rising, as well. One-bedroom apartments have an average rent of $1,012, up 16 percent over last year. Two-bedroom apartments have an average rent of $1,267, up 22 percent over last year. Even with increases, rents are still averaging out in a more affordable range.

Home prices have risen by 20.7 percent in Tucson, bringing the median home price up to $350,000.

Yuma

With a small-town feel and a strong sense of community, Yuma is diverse and beautiful. It’s also on the more affordable side of things with housing prices 12.7 percent below the national average. One-bedroom apartments are up 20 percent, with an average monthly rent of $972.

Monthly rent for two-bedroom apartments is on the rise, up 23 percent over last year. Currently, the average rent is $1,123. That’s definitely more rent than you may expect to pay for two bedrooms in a less expensive town.

You may also run into similar feelings when buying a home. The average home price in Yuma is $393,274, slightly more than you may anticipate homes costing.

Food prices

Another cost of living in Arizona is the food. The average Arizonan speeds between $200 and $233 per month on groceries. This includes buying everyday staples, as well as ingredients for the state’s famous Sonoran hotdog. On the whole, most cities hover close to the national average when it comes to food prices.

  • Bullhead City is 8 percent below the national average
  • Yuma is 1.7 percent below the national average
  • Phoenix is 0.1 percent below the national average
  • Tucson is 4.9 percent above the national average
  • Flagstaff is 10.7 percent above the national average

Once again, though, Lake Havasu City really tops the charts when it comes to the cost of living expenses. Food prices here are 20.8 percent above the national average, way more than in Flagstaff.

To see how these varying averages impact single food items from the grocery store, eggs in Yuma are only $1.75 per dozen. In Flagstaff, they’re $2.14. If you need to buy some ground beef to make tacos, and you live in Bullhead City, a pound will cost you $4.23, but if you live in Phoenix, you’re paying $5.68.

These price differentials are also apparent when you’re out to dinner. An average three-course meal for two in Yuma is $40, but that same meal is 43 percent more in Flagstaff.

Utility prices

When it comes to utility costs, especially when living in the desert, you want to know in advance that you’re not going to pay through the roof. Luckily, most towns in Arizona sit well below, or just slightly above, the national average.

  • Flagstaff is 10.5 percent below the national average
  • Bullhead City is 10.1 percent below the national average
  • Phoenix is 2.3 percent above the national average
  • Tucson is 3.4 percent above the national average
  • Yuma is 7.6 percent above the national average

Taking advantage of so much sunshine, Arizona is a leader in solar power. It’s currently the No. 1 state when it comes to the most solar electricity installed. This is good news, since that same sun that makes all this energy also heats things up pretty high. With average temperatures in the summer around 100 degrees Fahrenheit, residents definitely need plenty of electricity to keep things cool.

Transportation prices

Quite a few cities in Arizona have high bike scores, making it easier to get around without the need for a car or public transportation. Tucson, Phoenix and Flagstaff, in particular, all have high bike scores. Tucson tops the list at 72 and both Phoenix and Flagstaff share a bike score of 63. Phoenix and Tucson also have high walk scores at 54 and 51, respectively.

However, you’re going to have days where all you want to do is sit in your car with the AC on full blast and drive somewhere. This is one reason why some Arizona cities have higher transportation prices than others.

  • Bullhead City is 3.9 percent below the national average
  • Yuma is 1.8 percent below the national average
  • Tucson is 1.6 percent above the national average
  • Phoenix is 8.2 percent above the national average
  • Flagstaff is 13.2 percent above the national average

The other reason is public transportation costs. This option also comes in handy on those hot days when you just have to ditch the bike.

Sun Tran in Tucson

A combination of buses and streetcars, the Sun Tran in Tucson is all totally free through December 2022. It services Tucson and the surrounding areas through 20 fixed routes, 12 commuter routes and streetcar services that do a loop around downtown, stopping 23 times.

After 2022, fares will return on Sun Tran, so to get ahead, you can purchase a Sun Go card now and load it up with funds to begin getting deducted in 2023.

Valley Metro in Phoenix

A combined streetcar, rail and bus system, the Valley Metro in Phoenix is offering free streetcar rides currently as the mode of transportation is still in its first year of operation. Afterward, it will cost $1.00 to ride this cute vehicle.

Local bus and light rail fares are $4.00 for a single-day pass, which is a much better deal than paying $2.31 per ride. You can also purchase a 31-day pass for $64.00.

Mountain Line in Flagstaff

With nine bus routes and a seasonal express that goes to the Arizona Snowbowl, Flagstaff’s local ski resort, Mountain Line is the perfect Northern Arizona transit system. Routes are even color-coded for easier navigation.

Again, buying a day pass if you’re doing limited traveling is a much better deal than paying per way. A single-way fare is $1.25, but a day pass is only $2.50. If you’re riding on the regular, a 30-day pass is $34.00.

Healthcare prices

Healthcare costs include all your doctors’ visits and prescription medications. Throughout Arizona, home to a campus of the Mayo Clinic, what you end up paying isn’t too far off from the national average, but that doesn’t mean you won’t have big bills every once in a while.

  • Bullhead City is 7.9 percent below the national average
  • Phoenix is 0.2 percent below the national average.
  • Yuma is 1.3 percent above the national average
  • Tucson is 3.6 percent above the national average
  • Flagstaff is 5.9 percent above the national average

These numbers are specific to your overall healthcare, but individual appointments may not rank in this order exactly. For example, an average doctor’s visit in Bullhead City is actually the second-lowest price at $103.33. An average doctor’s visit in Flagstaff is only the second-highest cost. Tucson actually has the most expensive average visit at $150.

Goods and services prices

For anything that sneaks into your budget that you don’t really have to have, you’re looking at what constitutes the goods and services section of your overall cost of living in Arizona. These are really what makes or breaks the bank, and you may find yourself having to limit the number of goods and services you use in some Arizona cities.

Thankfully, almost all the cities on our list are below the national average.

  • Bullhead City is 17.3 percent below the national average
  • Phoenix is 3.8 percent below the national average
  • Yuma is 0.8 percent below the national average
  • Tucson is 0.4 percent below the national average
  • Flagstaff is 11.1 percent above the national average

The best way to examine how these average prices would impact your preferred activities is to look at a few common ones.

Flagstaff takes the top in almost all of these four categories. A bottle of wine is the only thing less expensive. Phoenix wins the most expensive distinction there. Bullhead City also plays into the lowest pricing seat in everything but a movie ticket. There, Yuma wins.

The numbers all fall surprisingly out of order when looking at another key expense, as well — childcare. The addition of this service to your monthly budget, whenever it’s time, can really change things up. That’s because it’s expensive (that’s an understatement).

Yuma, which ranks right in the middle overall, has the highest childcare expenses for a full-day, private preschool. In Yuma, your monthly preschool bill averages out to $1,300. No other city breaches the $1,000 mark, though Tucson comes close at $968.75. The least expensive is Flagstaff, typically our heavy hitter. Childcare like this in Flagstaff averages out to only $534.50 per month.

Taxes in Arizona

Arizona does have a state income tax, but individual rates range from 2.59 to 4.5 percent. There’s also both state and local sales tax. State sales tax is 5.6 percent, and the average local sales tax, added to this, is 2.8 percent. That means that in many places, you’re paying around $84 in taxes for every $1,000 you spend.

Specifically, in our cities:

  • Bullhead City has a combined sales tax rate of 7.6 percent
  • Yuma has a combined sales tax rate of 8.41 percent
  • Phoenix has a combined sales tax rate of 8.6 percent
  • Tucson has a combined sales tax rate of 8.7 percent
  • Flagstaff has a combined sales tax rate of 9.18 percent

Most of these cities are actually higher than the statewide average rate of 8.4.

How much do I need to earn to live in Arizona?

Earning enough to live comfortably in Arizona starts with being able to afford rent. To calculate this you can use some averages to help provide an estimate. For example, the average rent in Arizona is $1,503 per month. Since you should use 30 percent of your annual income to cover rent, you’d need to make at least $60,360 per year to hit this average.

This is very much a possibility given that the average annual salary in Arizona is $61,744. However, with numbers so close to each other, you may want to use our rent calculator to really get what you can comfortably afford.

Living in Arizona

It’s not everyone that can comfortably call the desert home, but those who pick Arizona, love it. The combination of amazing outdoor beauty, sunshine and plenty of activity creates a pretty exciting place. Perfect for outdoor enthusiasts, as well as those who want a nice backdrop to their urban abode, Arizona is the ideal place for you. So, start crunching those numbers and see if your budget stands up to the average cost of living here in the Grand Canyon State of Arizona.

Related articles:

The Cost of Living Index comes from coli.org.
The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of June 2022.
Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

Apache is functioning normally

A physician assistant (PA) is a medical professional who handles a variety of key responsibilities. According to the American Academy of Physician Assistants, these include:

•   Diagnosing illnesses
•   Developing and overseeing treatment plans
•   Prescribing medications
•   Serving as the principal healthcare provider for many patients

Gaining the skills necessary to take on these medical responsibilities involves a master’s degree level of education, as well as:

•   A bachelor’s degree
•   Courses in basic and behavioral sciences as prerequisites
•   An average of 3,000+ hours of direct patient contact
•   More than 2,000 hours of clinical rotations (beyond classroom instruction)

With all of those educational requirements, it’s natural to wonder about the physician assistant program cost.

PA Program Cost

The Physician Assistant Life collated information from these three key resources to arrive at average costs for the 2023-2024 application cycle: the American Academy of Physician Assistants (AAPA), The Physician Assistant Education Association (PAEA), and a recent NCCPA Statistical Report. What they found:

•   The average cost of a 27-month resident PA program (including public and private) is $95,165.
•   The average cost of a 27-month PA program (including public and private) for nonresident students is $103,660.
•   The average total resident tuition and nonresident tuition were higher for PA programs from private institutions than for those from public institutions.
•   There was a 4% to 7% increase in the average total resident tuition for public and private institutions.
💡 Quick Tip: When shopping for a private student loan lender, look for benefits that help lower your monthly payment.

Paying Physician Assistant Program Costs

After making the decision to become a physician assistant, it then becomes time to figure out how to pay for the PA program.

By the time someone reaches this point in their education, they are probably already aware of the Free Application for Federal Student Aid (FAFSA®) process that allows them to be considered for federal student aid. Often (but not always), by the time that someone is ready to fill out the FAFSA for PA school, they will be considered an independent student, someone who no longer needs to include parental financial information in the application.

Federal Student Aid

The results of the FAFSA application will determine eligibility for federal aid including:

•   Federal student loans
•   Federal grants
•   Federal work-study options

Federal loans can be a popular way to pay physician assistant program costs for several reasons, including the fact that payments:

•   Can be deferred until after graduation
•   Can sometimes qualify a student for tax deductions
•   May come with the potential for loan forgiveness

The types of federal loans available for graduate students are slightly different from those available to undergraduate students. The borrowing ceiling is higher but interest rates typically are as well. PA students may qualify for a Direct PLUS Loan if enrolled at least half time without any adverse credit history.

Federal Grants and Work Study Programs

Federal grants don’t need to be repaid. Here is a list of federal grants , their program details, and the amount that can be awarded.

PA students may also be eligible for work-study based on the FAFSA. Typically, students need to apply for these jobs, often ones at the university. Besides helping PA students to earn money, these jobs could be in the medical field, which can help students gain valuable experience.

University Help

Students can check to see what grants, scholarships, and/or fellowships their university offers by contacting the financial aid office. Some institutions use the FAFSA information to determine eligibility, while others have their own applications. Awards can range from a small grant to the amount of the full tuition. Check out deadlines for school-specific financial aid to meet them successfully.

More About Grants and Fellowships

Scholarships are available through the federal government, as well as through states, non-profit agencies, organizations, companies, and more. In general, these are merit based and don’t require repayment. (By contrast, grants are typically need-based.)

There are numerous grants and scholarships that are specifically designed to help with PA program costs. As just one example, the Physician Assistant Foundation has provided more than $2.3 million in scholarships to more than 1,400 future PAs. Requirements include:

•   Being a student member of the American Academy of Physician Assistants (AAPA)
•   Attending a PA program that is ARC-PA-accredited
•   Completing at least one quarter or semester in PA studies
•   Being in good standing, academically
•   Being enrolled in a PA program during the application cycle

Grants to cover PA program costs can get more niche, such as Association of Physician Assistants in Oncology’s APAO Student Scholarship . Requirements include:

•   Being an APPA member or applicant who is in the last year of an ARC-PA-accredited program
•   Being in the clinical phase, having already completed or nearly completed basic science courses
•   Not receiving a PA Foundation or other specialty organization scholarship
•   Having a strong interest in the oncology field; clinical rotation in an oncology speciality is strong encouraged
•   Having a minimum GPA of 3.0

As another example, Physician Assistants Orthopaedic Surgery, Inc. offers the annual Susan Lindahl Memorial Scholarship , providing four $5,000 scholarships each year.

Members of the National Guard may qualify for the Medical Professional Officer Accession Bonus (OAB). To find state scholarships and grants, contact the appropriate state’s Department of Education . If a parent died in Iraq or Afghanistan while in military service, a federal grant may be available.

There are also state-specific PA scholarships, such as those offered by the California Academy of Physician Assistants (CAPA). Student members of CAPA can be eligible for one of five different $2,000 scholarships.

It may help to look for opportunities from where the student’s bachelor’s degree was obtained. For example, if you are a member of a fraternity or sorority, there may be scholarships available to cover PA program costs.

In addition, student athletes who attended an NCAA institution could qualify for the NCAA Postgraduate Scholarship , with up to 126 of them awarded each year. Student-athletes must excel both academically and athletically and be in at least the last year of intercollegiate-level competition. Non-renewable scholarships of $10,000 are provided three times annually (corresponding with sports seasons of fall, winter, and spring) with 21 available for women and 21 for men during each sports season.

Fellowships

Graduate fellowships usually require that a student study, work, or research in the PA field, which means that they can gain useful experience while also earning money for the physician assistant program costs.

To find opportunities, talk to your university’s financial aid department or reach out to non-profit agencies connected to the PA field. The application process can be rigorous but can also be quite worthwhile.

Additional Ideas to Consider

When determining what PA school will cost, you’ll want to factor in any federal funding options (loans, grants, and scholarships), university help, and other grants, scholarships, and fellowships you may be eligible for. You’ll next need to consider what, if any, gaps in funding are left.

Ways to cover that gap can include employer tuition reimbursement, becoming an in-state resident, becoming a resident advisor (RA), working as a teaching assistant (TA), and private student loans. Here’s a closer look at each.

Employer Tuition Reimbursement

Some employers reimburse employees for a certain part of their education costs. It can be worth checking what is available, how to apply, and what constraints might exist. A company might, for example, only reimburse funds for certain degrees or they may require that a student receiving reimbursement stay at the company for a predetermined amount of time.

Some employers may provide employees with professional development funding. If so, you may want to find out whether this be used towards PA program costs.

In-State Resident

You can often save a significant sum of money by attending a public university in the state where you live. Each state determines residency in different ways. So if you’re thinking about relocating to take advantage of in-state residency savings, check to see what residency requirements are. Some states mandate one year of full-time residency while others may require three.

Resident Advisor

RAs help new students get settled into dorm life and are compensated for their work. This usually includes part, if not all, of their room and board; perhaps a meal plan; and sometimes a reduction in tuition. Plus, RAs typically can get their own room, which can make studying easier (although this job does come with plenty of responsibilities and interruptions). How much an RA is compensated varies by university.

Teacher Assistant

This can involve prep work for teaching, organizing lab work, conducting research, grading papers, and more. Payment can come in the form of reduced tuition or a stipend. Besides helping with PA program costs, being a teaching assistant can provide experience in the field and allow students to network with industry experts.
💡 Quick Tip: Need a private student loan to cover your school bills? Because approval for a private student loan is based on creditworthiness, a cosigner may help a student get loan approval and a lower rate.

Private Student Loans

If additional funds are needed, private graduate student loans can help. Private student loans are available through private lenders, including banks, credit unions, and online lenders. Rates and terms vary, depending on the lender. Generally, borrowers (or cosigners) who have strong credit qualify for the lowest rates.

Keep in mind, though, that private loans may not offer the borrower protections — like income-based repayment plans and deferment or forbearance — that automatically come with federal student loans. But if you are looking for supplemental funding for your PA program, private student loans may be worth looking into.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.


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SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

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Source: sofi.com

Apache is functioning normally

From fishing and boating to hiking a glacier, Alaska is an outdoor enthusiast’s wonderland. What’s even better, you never have to enjoy this natural beauty alone. The bears, eagles, moose, whales and salmon, among other wildlife, are ever-present to keep you company.

Alaska is a unique and beautiful place, that although sparsely populated, offers plenty of opportunities. But, living so far from the rest of the country can present some unexpectedly high costs. Even with the Permanent Fund Dividend of more than $1,000 per year, can your budget handle Alaska’s cost of living? Let’s find out by looking at a few key components of your average expense list.

Alaska housing prices

Cities in Alaska primarily exceed the national average when it comes to housing. Not all are crazy high, but those that offer more modern amenities, like shopping malls and movie theaters, will most likely cost you more, on average. Each of the ones on our list is part of the best places to live in Alaska, even with higher-than-average housing prices.

Anchorage

Big by Alaska standards, Anchorage probably feels more like an American city than other spots in Alaska. Its size helps. Here, you’ll find the busiest airport in the state, University of Alaska students and plenty of museums, restaurants and breweries.

Housing in Anchorage is 41.5 percent above the national average, but most prices are holding steady. Home prices rose 8.9 percent compared to last year. The median home price in Anchorage is currently $385,000.

Fairbanks

Attracting a lot of students and families, Fairbanks is Alaska’s second-biggest city. It also experiences 24 hours of daylight, or the Midnight Sun, in the summer. Housing prices here are only slightly above the national average at 3.2 percent. This keeps rent and housing costs at a relatively reasonable rate even if prices rise year-over-year.

The average rent for a one-bedroom apartment is $700 per month, and a two-bedroom will cost $1,600, up a whopping 60 percent from last year.

Median home prices have risen 38.1 percent over last year, but are still sitting on the lower end when compared to other cities across the country. The median sale price in Fairbanks is $285,000.

Juneau

The sweet city of Juneau is Alaska’s capital, so it’s full of government jobs. A popular cruise ship port, Juneau also brings in a lot of tourists. With a robust downtown, for such a small town, there’s plenty to do here, which may explain why housing is 40.1 percent above the national average.

People want to live in Juneau when they’re considering calling Alaska home, but there’s still plenty of value in renting here. The average apartment rent is $1,300 per month for a two-bedroom, compared to the average home price of $665,000.

Food prices

Another cost of living in Alaska is food. Given the limited number of restaurants throughout the state, Alaskans spend a little bit more, on average, on groceries. Their average monthly grocery bill ranges between $300 and $333. Of course, they’re buying all the delicious seafood and game meat considered staple foods in the state. Items like salmon and crab pulled right from the water, and reindeer, moose and caribou are as local as you can get.

Overall, food prices throughout sit above the national average by quite a bit.

  • Fairbanks is 22.1 percent above the national average
  • Anchorage is 26 percent above the national average
  • Juneau is 38.8 percent above the national average

These higher prices are also reflected in meals out. A typical three-course meal for two is $90 in Fairbanks, $75 in Anchorage and $54 in Juneau. It’s interesting to note, though, that the city with the least expensive food prices will cost you 17 percent more for a night out than the most expensive city for food on our list.

Utility prices

Electricity is the big utility in Alaska, and on average, monthly bills are pretty high. Juneau and Anchorage will cost you just over $100 per month, but in Fairbanks, average electric bills hit as high as $225.

Overall, utility prices in Alaska break down like this:

  • Anchorage is 20.5 percent above the national average
  • Juneau is 32.6 percent above the national average
  • Fairbanks is 109.2 percent above the national average

There are multiple sources generating electricity in Alaska, including natural gas and hydropower. In fact, rivers in Alaska offer some of the best hydroelectric power in the U.S. The state also has energy-producing capabilities through wind energy along the coast, and its many volcanic fields may lead to a source of geothermal energy.

Transportation prices

Although across the state, you’ll find a low walk score overall, most cities have highly walkable areas, especially those along the coast that cater to cruise ships. Some cities, weather permitting, provide for decent biking, but public transportation and your own car are pretty necessary.

When compared to the rest of the country, cities in Alaska all have transportation prices higher than the national average.

  • Fairbanks is 9.2 percent above the national average
  • Anchorage is 14.5 percent above the national average
  • Juneau is 17.3 percent above the national average

Not necessarily as high as other aspects that contribute to your overall cost of living, most cities supplement the cost of owning a car by providing adequate public transportation.

MACS in Fairbanks

The Metropolitan Area Commuter System or MACS in Fairbanks is a bus system consisting of eight routes. It focuses on the urban areas, North Pole, Farmers Loop and the airport.

You can purchase a single-way fare, if you’ve got the cash, for $1.50, but it’s much easier to go with a $ 3.00-day pass or a $40 monthly pass. The monthly passes are only good in the calendar year in which they’re purchased.

Muni in Anchorage

In Anchorage, the Muni system gets broken down by route type. You’ve got:

  • Frequent routes
  • Standard routes
  • Neighborhood routes
  • Commuter routes

They’re all pretty self-explanatory based on their name, so if you live close to the city center, you’re most likely using those frequent routes to get around town. A single-way fare on Muni is also cash only at $2.00. A day pass will cost you $5.00, and a monthly pass is $60.

Capital Transit in Juneau

Fifteen bus routes that come together to circle the city of Juneau make up Capital Transit. They hook around the University of Alaska at one end, and go slightly past the downtown area at the other, making a variety of stops in between.

A single-way fare, again cash only, is $2.00, but you can save some money and buy a $40 monthly pass, instead.

Healthcare prices

The cost of living in Alaska for healthcare is higher than anywhere else in the country. This impacts prices for medical visits, as well as medications.

  • Juneau is 49.4 percent above the national average
  • Fairbanks is 52.7 percent above the national average
  • Anchorage is 53.2 percent above the national average

Looking at the average cost of a doctor’s visit, all three of these cities are within $10 of each other regarding cost. It makes sense considering how close they rank in relation to their city-wide averages for healthcare, as well. The average trip to the doctor’s in Juneau is $227.67.

Goods and services costs

Consisting of all the things you like to have in your life, but don’t require to survive, goods and services can quickly suck up a large portion of your monthly budget. Understanding average pricing in this area can really help you create realistic expectations for your cost of living in a state like Alaska.

  • Juneau is 5.4 percent above the national average
  • Fairbanks is 18.4 percent above the national average
  • Anchorage is 24.5 percent above the national average

To see how this plays out in a few line items, check out this chart of key goods and services.

Vet bills may average out so high across the state thanks to a large number of working dogs in Alaska. Yes, people keep them as pets, but you’ve got sled dogs, working outside in the cold, as well.

Childcare costs

Another service people frequently need at some point in their lives is childcare. This service, in particular, can have a huge sticker shock when looking at the bill. Knowing what to expect in advance can not only make it easier to budget for this important service but enable you to look at the quality of the preschool over the price.

For a full-day, private preschool, it will cost you:

Taxes in Alaska

Alaska is one of only nine states with no state sales tax and no income tax. Instead, taxes get placed on other things like gas and cigarettes.

Local areas are able to impose a sales tax if they want. Totaling those up together, the average rate across the state is 1.76 percent. But, cities like Fairbanks and Anchorage are still at zero for sales tax. Juneau charges 5 percent.

That means that most of the time you’re out shopping, all the money you’re paying goes toward the cost of the goods you’re buying. You’re not having to deal with a markup related to sales tax (unless you’re shopping in Juneau).

How much do I need to earn to live in Alaska?

To align your budget perfectly with the cost of living in Alaska, it’s best to do some number crunching using our rent calculator. However, if you want to work through a quick estimate, it’s best to just look at rent. Since rent should take up about 30 percent of your income, a quick equation can help you figure out what your minimum salary.

So, the average rent in Alaska is $683, which means you need $27,320 for your minimum salary. This won’t create a problem since the average Alaskan’s salary is more than double at $62,700. While lower rents will cluster in the more rural areas, and some urban areas could have higher prices, it’s not problematic to fit Alaska housing into your budget with money left over for all the other costs of living.

Living in Alaska

Considered by some as America’s last frontier, living in Alaska is never boring. The natural beauty, outdoor activities and crazy amount of wildlife make even a trek to the store a potential adventure. And, while you may not have a ton of neighbors, there’s something about living a more chill life in a less populated area.

If you can weather the cold, and want to experience living in a place unlike any other in the country, Alaska is for you.

The Cost of Living Index comes from coli.org.
The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of June 2022.
Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com