Home Insurance in Miami, Arizona
With a median home value of $78,100, Miami is 71% lower than the Gila County median.
The typical home in Miami was built around 1951. About 64% of homes were built before 1960, about 50 points above Gila County's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Miami is 81% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
33% of owner-occupied homes in Miami carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Miami has an owner-occupancy rate of 57% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
61% of homes in Miami are primarily heated with natural gas.
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.
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 | $78,100 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)