Home Insurance in Flagstaff, Arizona
The median home value in Flagstaff is $552,900, 23% higher than the Coconino 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 Flagstaff was built around 1992. About 8% of homes were built before 1960, about 1 point above Coconino County's 7%.
In Flagstaff, the housing stock is 52% single-family homes, 31% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
65% of owner-occupied homes in Flagstaff carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 42% of occupied homes in Flagstaff are owner-occupied.
67% of homes in Flagstaff are primarily heated with natural gas.
Coconino County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. Coconino County had 986 active NFIP flood policies as of September 2026. See the full Coconino County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Arizona is $1,194 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $552,900 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Coconino County | 986 |
| 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)