Home Insurance in Eagar, Arizona
The median home value in Eagar is $247,800, 289% higher than the Apache County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Eagar was built around 1984. About 0% of homes were built before 1960, about 6 points below Apache County's 6%.
The housing stock in Eagar is 79% single-family homes, 2% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Eagar have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in Eagar are owner-occupied. The vacancy rate is 24%; 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 Eagar, 59% of homes are primarily heated with wood.
Apache County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. Apache County had 35 active NFIP flood policies as of September 2026. See the full Apache County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Arizona carries a statewide average premium of $1,194 per year.
Key figures
| Median home value | $247,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Apache County | 35 |
| Home insurance premium | $1,194 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)