Home Insurance in Tusayan, Arizona
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Tusayan was built around 1983. About 0% of homes were built before 1960, about 7 points below Coconino County's 7%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tusayan is 62% single-family homes, 27% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
About 0% of occupied homes in Tusayan are owner-occupied. The vacancy rate is 44%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Tusayan - 61% - are primarily heated with electricity.
Coconino County had 986 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). 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 year built | 1983 |
|---|---|
| Owner-occupied share | 0% |
| 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)