Home Insurance in Star Valley, Arizona
The median home value in Star Valley is $176,400, 35% lower than the Gila 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 Star Valley was built around 2001. About 0% of homes were built before 1960, about 14 points below Gila County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Star Valley is 36% single-family homes, 8% apartments in buildings with 5+ units and 48% mobile or manufactured homes.
35% of owner-occupied homes in Star Valley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Star Valley has an owner-occupancy rate of 87% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 59% of homes in Star Valley are primarily heated with electricity.
FEMA rates Gila County's overall risk as Relatively Moderate, led by wildfire (Relatively High). Gila County had 296 active NFIP flood policies as of September 2026. 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 home value | $176,400 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)