Home Insurance in Graham County, Arizona
With a median home value of $212,000, Graham County is 46% lower than the Arizona median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Graham County was built around 1987. About 15% of homes were built before 1960, about 7 points above Arizona's 8%.
In Graham County, the housing stock is 73% single-family homes, 4% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Graham County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Graham County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Graham County - 51% - are primarily heated with natural gas.
The top hazards for Graham County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), winter weather (Relatively Moderate) and inland flooding (Relatively Low).
Graham County had 225 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $212,000 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 225 |
| Home insurance premium | $1,194 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)