Home Insurance in St. Johns, Arizona
With a median home value of $203,400, St. Johns is 219% higher than the Apache County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in St. Johns was built around 1986. About 0% of homes were built before 1960, about 6 points below Apache County's 6%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in St. Johns is 62% single-family homes and 36% mobile or manufactured homes.
About 46% of owner-occupied homes in St. Johns have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 97% of occupied homes in St. Johns are owner-occupied. The vacancy rate is 29%; 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. 43% of homes in St. Johns 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.
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 | $203,400 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)