Many of the homeowners flooded in Timberline and Wupatki Trails had insurance, but it was for fire or other damage, and not for flooding.

Five Flagstaff insurers said their standard home policies would not cover flooding resulting from a wildfire, and some said that to make an exception would be unprecedented.

There has been one exception: Allstate Insurance.

"Without that fire, there would not have been a flood," said Allstate spokeswoman Melinda Wilson.

Allstate is looking at each case on its own merits, Wilson said, but is covering damage to a "handful" of Timberline homes, so far, by considering the flooding a fire-related problem.

"If we've found they were covered for fire ... and then they had some flooding related to the fire, they're covered," Wilson said.

The Coconino County Board of Supervisors is looking at whether to approach the state body that regulates insurers to ask or require that more insurers follow Allstate's decision.

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