Wash-Crossing Decision Flow
What to do when a road crosses a running wash, following Maricopa County Flood Control District guidance, with a plain explanation of what Arizona law says about driving into floodwater.
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Question 1 of 4
Where are you right now?
The answer changes everything after this one.
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Question 2 of 4
Is there a barricade, sign or closure in front of you?
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Question 3 of 4
How deep does the water look, and is it moving?
Guessing is the normal mistake here. Water the colour of chocolate milk is deeper than it looks, and the road under it may not be there.
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Question 4 of 4
Is there another way to where you are going?
The law, in one paragraph
A.R.S. § 28-910, which everybody calls the Stupid Motorist Law, makes a driver liable for the cost of a flood rescue after going onto a barricaded, flooded public street. The liability is capped at $2,000 per incident, and the section creates no offence of its own. The full explanation, including the part the cap does not cover, is below.
Nothing answered yet
Start at the first question
Where you are decides everything after this.
Why this is the answer
- A driver looking at a flooded crossing, somebody already in the water, and somebody at home with water rising nearby are three different situations with three different answers. The tool asks which one you are in before it says anything else.
- There is no depth at which any agency on this page endorses driving through water on a road. What the figures below do is explain why not.
What to do instead
- Answer the first question in the panel on the left. Three more follow if you are in a vehicle approaching water, and the answer appears here as you go.
What water does, at the depths the agencies give
Three figures from two agencies, on one scale. The lowest is the one to plan by. The others are not competing claims so much as the top of a range.
Three published figures from two agencies. The National Weather Service’s national campaign gives 12 inches and 2 feet; its Phoenix office gives a range of one to two feet; Maricopa County gives two feet. Read together they are a range with a floor of one foot rather than three competing claims, and only the lowest one matters when you are deciding whether to cross.
Every published figure for what water does to a car
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National Weather Service Turn Around, Don’t Drown
“It takes just 12 inches of rushing water to carry away most cars… just 2 feet of rushing water can carry away SUVs and trucks.”
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National Weather Service, Phoenix Monsoon safety
“It only takes about 1 to 2 feet of water to float most vehicles, including SUVs.”
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Maricopa County Monsoon flooding and preparedness
“Two feet of water can float away your car.”
Twelve inches is the lowest figure any of the three publishes for a car, and it is the one to plan by. The Phoenix office’s lower bound of one foot agrees with it; the county’s two feet is the top of the range rather than a competing number. Where the published figures differ, the useful reading is the lowest one: if you plan by that, you are covered by all three.
A.R.S. § 28-910, which is not what it is called
- The nickname is not the name
- A.R.S. § 28-910 is called the Stupid Motorist Law in every news story about it. The statute’s own title is “Liability for emergency responses in flood areas; definitions”. It is a civil liability provision.
- It creates no offence of its own
- The section does not make driving into flood water a crime. Subsection A attaches liability to a driver who operates a vehicle on a public street or highway that is temporarily under water and barricaded because of flooding. Subsection B attaches liability to somebody convicted of an offence under § 28-693, reckless driving. The liability follows the offence; the section does not create one.
- The cap is $2,000 per incident
- Liability for the expenses of an emergency response “shall not exceed two thousand dollars for a single incident”, in the statute’s wording. The expenses are a debt of the liable person, collectible by the agencies that incurred them.
- The cap is not the whole exposure
- The same subsection says the liability is “in addition to and not in limitation of any other liability”. The $2,000 limits the rescue bill, not the value of the car, the injury, or what an insurer does next. Subsection D expressly allows a policy to exclude coverage for this liability.
- What it does not say
- Nothing in the section says anything about depth, or about whether the water was moving, and nothing in it is a licence to cross anything unbarricaded. The barricade is the fact the statute turns on.
§ 28-910, Arizona State Legislature § 28-693, reckless driving
Why this is a decision path and not a calculator
Every other tool on this site answers a question with a number. This one cannot, because the number that would answer it (the depth of the water across the road in front of you) is not knowable from a webpage, and is barely knowable from the driver's seat. What is knowable is the situation you are in, and the situation determines the answer more reliably than the depth does. Somebody on foot beside a running wash and somebody in a car looking at the same water are in different amounts of danger, and the guidance for each is different.
So the four questions are asked in the order the situation unfolds, and the tool refuses to ask the later ones when the earlier ones have already settled it. If you are on foot, the answer is the same whatever the depth is, and asking you to estimate it would only invite you to talk yourself into a number.
Depth is the wrong thing to judge, and everybody judges it
Standing water at a desert crossing is opaque. It carries sediment, it hides the surface beneath it, and the surface may not be there. A single flow can scour the pavement out from under a crossing and leave nothing at the waterline to suggest it. That is why the tool treats "I cannot tell" as an answer rather than as a gap: at a wash crossing, not being able to tell is the normal condition, and it is a reason rather than an excuse.
The same goes for movement. Every official figure on this page is about moving water. Water that looks still at the near edge of a crossing can be running hard at the far edge, and a wash that was dry this morning can be bank to bank ten minutes after a storm you neither saw nor heard.
What to do when published figures do not agree
Three numbers are in circulation for what water does to a car, and they come from two agencies. The National Weather Service's national Turn Around, Don't Drown campaign says 12 inches of rushing water carries away most cars, and 2 feet carries away SUVs and trucks. The Weather Service's own Phoenix office, writing about this valley, says it takes about one to two feet of water to float most vehicles, including SUVs. Maricopa County says two feet of water can float away your car.
It is tempting to present that as a tidy single answer, and this page deliberately does not. Read as a range rather than as three claims, the figures are closer to agreeing than they first appear: the floor is one foot, the ceiling is two, and only the lowest number matters when you are deciding whether to drive into something. Each agency is also describing a slightly different thing. The national campaign draws on the whole national record for when moving water takes control of a vehicle. The Phoenix office is writing about the low-water crossings in this county, where the flows are short and violent and the audience is people who have driven through shallow water before.
So the rule the page applies is the one that works when sources differ: plan by the lowest published figure. If you are covered at 12 inches you are covered at 2 feet. And the disagreement turns out not to matter very much in practice, because it only matters to somebody looking for a depth that is safe to cross, and no agency publishes one at any depth.
The law, and the two things about it that get reported wrong
A.R.S. § 28-910 is called the Stupid Motorist Law in every news story that mentions it. That is a nickname. The statute's own title is "Liability for emergency responses in flood areas; definitions", and it is a civil liability provision, not a criminal one.
The first thing that gets reported wrong is what it does. It creates no offence. Subsection A makes a driver liable for the expenses of an emergency response after operating a vehicle on a public street or highway that is temporarily under water and barricaded because of flooding. Subsection B attaches the same liability to somebody convicted under § 28-693, which is reckless driving. The liability follows an offence that already exists; the section does not add one.
The second is the size of it. The cap is real (the expenses "shall not exceed two thousand dollars for a single incident") but it is a cap on the rescue bill and nothing else. The same language makes the liability additional to any other liability, so it does not limit what the vehicle cost, what an injury cost, or what happens to your insurance. Subsection D expressly allows a policy to exclude coverage for this liability, which means the $2,000 may be the smallest number in the whole event.
What the section does not say is anything about depth, or about whether the water was moving. The fact it turns on is the barricade. An unbarricaded crossing is not addressed by it, which is a statement about the statute and not about whether you should drive through it.
Why a low-water crossing is the dangerous kind
A low-water crossing is a road that dips through a wash, built to be driven over when the wash is dry and to be submerged when it is not. It is not a bridge and it is not a mistake. Bridging every wash on every rural road in Maricopa County would cost many times what the crossings cost, to cross water that is not there most of the year.
The consequence of that trade is worth being explicit about. A crossing is designed to be overtopped, so water across one is not a sign that something has gone wrong; it is the crossing doing its job. There are no rails to stop anything the water carries and usually no depth gauge. The National Weather Service's Phoenix office singles low-water crossings out when it talks about where Arizona flood deaths happen, and this tool exists mainly because that is where people meet them.
What the page will not do
It will not tell you that a depth is safe, because no agency it draws on says that about any depth. It will not advise you on your own legal position. The statute is quoted and explained, and applying it to a particular set of facts is a job for a lawyer, an insurer or a court. And it will not tell you what to do about water inside a building, which is a different problem with its own guidance and its own risks, starting with the electrical panel.
What it will do is put the right answer in front of you before the two minutes of reasoning that people do at the edge of a flooded crossing, which is the two minutes when the decision actually gets made. The four questions produce 96 possible combinations and 7 distinct answers, and every one of them is some version of the same advice: stop, turn around, and take the long way.
- Maricopa County: Monsoon flooding and preparedness, Flood Control District
The county’s own depth figure, the instruction never to drive around a barricade, and the five-step order to do things in after a flood has been through a house. Every quotation on this page attributed to the county is its wording.
- NOAA National Weather Service: "Turn Around, Don’t Drown" flood safety campaign
The national depth figures (6 inches for a person, 12 inches for most cars, 2 feet for SUVs and trucks), the statement that it is never safe to drive or walk into flood water, and the CDC attribution for how many flood deaths happen in vehicles.
- NOAA National Weather Service, Phoenix: Monsoon Awareness Week and Arizona flood facts
What a low-water crossing is and why the Phoenix forecast office singles it out as the place Arizona flood deaths happen.
- NOAA National Weather Service, Phoenix: Monsoon safety
The Phoenix office’s own range of one to two feet for floating most vehicles, which sits between the national campaign’s 12 inches and the county’s two feet, and its instruction never to drive into a flooded roadway or around a barricade.
- Arizona Revised Statutes § 28-910: "Liability for emergency responses in flood areas; definitions", Arizona State Legislature
The full text of the section commonly called the Stupid Motorist Law: its official title, the two routes to liability, the $2,000 cap per incident, the clause that the liability is additional to any other, and the subsection allowing an insurer to exclude coverage.
- Arizona Revised Statutes § 28-693: "Reckless driving; violation; classification; license; surrender; aiding and abetting"
The reckless-driving offence that § 28-910 subsection B attaches liability to, quoted so the page can be exact about what the section does and does not create.
Every figure this tool uses was read from the source named above on 10 October 2026. Anything still waiting on a check is listed in the site's data notes rather than shown here as if it were settled.
Before you rely on this
This tool works from climate normals and published guidance, not from live weather. It describes a typical day for the month or date you chose, which is useful for planning and useless as a forecast.
- This page is not legal advice, and nothing on it is a substitute for advice from a lawyer about a particular situation. The statute is quoted and explained; applying it to a set of facts is a job for a lawyer, an insurer or a court, and this site is not any of those.
- It cannot see the water in front of you. There is no depth measurement here and none is possible from a webpage. The tool reasons from what you tell it, and it is built so that the honest answers (moving, deep, or I cannot tell) are the ones that stop you.
- No agency on this page endorses driving through water on a road at any depth, and this tool invents no threshold below which crossing is approved. The six-inch figure is a statement about what water does to a person, not permission for anything.
- The published figures do not all agree. Three numbers are in circulation for what water does to a car: 12 inches from the National Weather Service’s national campaign, a range of one to two feet from its Phoenix office, and two feet from Maricopa County. All three are printed with their source, and the page says to plan by the lowest. Making them look like a single agreed number would have been tidier and less true.
- The law section covers one Arizona statute about public streets and highways. It does not cover tribal land, federal land, private property, or any other state, and it does not cover what an insurer will do with a claim. The statute expressly allows a policy to exclude this liability, and whether yours does is a question for your insurer.
- Vehicles are only part of this. Water into a house, a flooded garage, a submerged electrical panel and a wash running through a yard are all outside what the four questions ask, and the county’s own damage guidance is the place to go for those.
- This page does not replace a warning. If the National Weather Service has issued a Flash Flood Warning for where you are, that warning is current information and this page is not. Act on the warning.