Home Insurance in Hayden, Arizona
The typical home in Hayden was built around 1947. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 64% of homes were built before 1960, about 50 points above Gila County's 14%.
The housing stock in Hayden is 94% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hayden, about 17% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hayden has an owner-occupancy rate of 84% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
Most homes in Hayden - 54% - are primarily heated with electricity.
Gila County had 296 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). See the full Gila 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 year built | 1947 |
|---|---|
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Gila County | 296 |
| 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)