Home Insurance in Apache County, Arizona
Homes in Apache County carry a median value of $63,700 - 84% lower than the Arizona median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Apache County was built around 1987. About 6% of homes were built before 1960, about 2 points below Arizona's 8%.
In Apache County, the housing stock is 71% single-family homes, 2% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Apache County, about 16% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Apache County are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Apache County, 60% of homes are primarily heated with wood.
Per FEMA's National Risk Index, Apache County's top hazards are wildfire (Relatively High), winter weather (Relatively High) and inland flooding (Relatively Moderate).
Apache County had 35 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Arizona, the statewide average premium for a standard HO-3 homeowners policy is $1,194 per year (NAIC, 2023 data).
Key figures
| Median home value | $63,700 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Winter Weather (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 35 |
| Home insurance premium | $1,194 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)