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Businesses Resources – Flooding

Business recovery for Sedona & the Verde Valley

Oak Creek Business Recovery

Oak Creek & Verde River flooding · Oct 31 – Nov 1, 2026

Business recovery for Sedona & the Verde Valley

City, county, state and federal resources for businesses hit by the weekend flooding, plus a step-by-step checklist. Status is current as of Monday, Nov 2, 2026, and is refreshed each morning. Programs are opening day by day, so confirm details with each office before you rely on them.

SR 89A closed MP 375–397
SR 179 closures in Sedona
Emergency declared Sedona · Yavapai County (Nov 2)
Where aid stands

Declaration status

Most grant and loan money only opens after a formal declaration. Watch this ladder; each rung unlocks the next.

Cities & townsSedona declared

The City of Sedona declared a state of emergency Nov 2. No declaration found yet for Cottonwood, Camp Verde, Clarkdale or Jerome.

CountiesYavapai declared

The Yavapai County Board of Supervisors declared an emergency Nov 2, letting the county request state help. Coconino County has not declared yet.

StateNot declared

No state of emergency has been declared for this flood. A state declaration is the step that opens SBA disaster loans.

FederalNot active

SBA disaster loans are not active yet. They follow a state declaration and request.

Sedona sits in two counties. Uptown, Oak Creek Canyon and most of the creekside area east of the “Y” are in Coconino County; West Sedona is in Yavapai County. Use the county line your business address falls on for county programs. The Verde Valley (Cottonwood, Camp Verde, Cornville, Clarkdale, Lake Montezuma) is Yavapai.

Local government

City & town resources

City of Sedona sedonaaz.gov

City alerts, street closures & permitsInfo

Check before reopening: road access, debris pickup, and whether repairs need a building permit. Ask about any fee waivers for flood repair permits.

Oak Creek water-quality cautionCaution

Flooding overwhelmed the Bear Wallow pump station Nov 1 and sent untreated sewage into Oak Creek. The city has not yet sampled the water. Treat creek-deposited mud as contaminated: gloves, boots, and disinfect surfaces. Creekside tours and retreats should hold off on water access until the city clears it.

Camp Verde & Cottonwood

Camp Verde Marshal's OfficeInfo

GO zones along the Verde River, West Clear Creek and Wet Beaver Creek. Sandbags at Fain & Nichols, Camp Verde Water Company and the Yavapai County Complex. Shelter at Camp Verde Parks & Rec Gym, 473 Main St. River flows were expected to keep rising for several days.

City of CottonwoodInfo

Bates Rd, Comanche Dr, Franquero Ln and the River Run Dr area were under GO. Check the city site for re-entry and debris pickup before reopening.

County government

County resources

Yavapai County West Sedona, Verde Valley

YavapaiReadyAlerts

County emergency updates, evacuation zones and shelter information. Sign up for Smart911 alerts through the Sheriff's Office.

Emergency Management phone bankHotline

Non-emergency flood questions, evacuation status, damage reporting. Report business damage here; those counts drive the state and federal requests.

Yavapai College SBDCFree help

No-cost one-on-one advising, including help preparing SBA disaster loan applications and cash-flow plans. Serves all of Yavapai County.

ARIZONA@WORK Yavapai (NACOG)Workforce

For employees who lose hours: unemployment filing help and job leads. Point staff here if you have to close temporarily.

Coconino County Uptown Sedona, Oak Creek Canyon

Emergency information hotlineHotline

Hazard zones, sandbags, road blocks and damage reporting.

Economic Recovery officeFunding

The county's local contact for SBA programs and county relief funds. It ran recovery funds after the 2025 fires; ask whether one opens for this flood.

State of Arizona

State resources

Agencies

Division of Emergency Management (DEMA)Info

Runs the governor's emergency fund and the state damage assessment. When the state asks SBA or FEMA for help, it uses the county damage reports, so make sure yours is filed.

Dept. of Insurance & Financial Institutions (DIFI)Claims help

Free help if your insurer is slow, lowballs, or denies a claim. Ask for the denial in writing with the policy language cited, then file a complaint here.

Attorney General consumer protectionFraud

Report storm-chasing contractors and price gouging. Check licenses with the Registrar of Contractors before signing anything.

ADOT road statusInfo

SR 89A between Sedona and Kachina Village had no reopening estimate as of Nov 2. Use it to update customers and staff on access.

Federal & nonprofit

Loans & insurance

Funding

SBA disaster loansNot active yet

SBA disaster loans for this flood are not active yet. They open only after a state of emergency is declared and the state asks SBA for help. This page will note it as soon as that happens. In the meantime, keep your damage photos, receipts and lost-revenue records so you can apply quickly.

Insurance & advice

National Flood Insurance ProgramInsurance

Standard commercial property policies usually exclude flood. If you carry an NFIP policy, file now. If you don't, new policies have a 30-day waiting period, so buy now for the next storm.

United PolicyholdersClaims help

Nonprofit with Arizona claim guides, sample letters, and tips on hiring a public adjuster.

What to do next

Recovery checklist

Check items off as you go. Your progress is saved in this browser only.

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Change log

Daily updates

What changed since the last check, newest first.

Mon, Nov 2, 2026 · eveningDeclarations

The City of Sedona and the Yavapai County Board of Supervisors each declared a state of emergency. No state of emergency has been declared for this flood, so SBA disaster loans are still not active.

Mon, Nov 2, 2026Baseline

Page published. Sedona evacuation zones lifted. No emergency declarations yet from Sedona, Cottonwood, Camp Verde, Clarkdale or Jerome; Coconino County may declare once the full impact is known. No state of emergency for this flood, so SBA disaster loans are not active. SR 89A closed MP 375–397 with no reopening estimate.

Compiled Nov 2, 2026 from county, SBA, state and news sources.

Not legal, insurance or financial advice. Confirm eligibility and deadlines directly with each program.

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