HomeInsuranceQts

Home Insurance in Clifton, Arizona

With a median home value of $66,000, Clifton is 58% lower than the Greenlee County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Clifton was built around 1979. About 28% of homes were built before 1960, about 9 points above Greenlee County's 19%.

In Clifton, the housing stock is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

About 31% of owner-occupied homes in Clifton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Clifton has an owner-occupancy rate of 38% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.

Most homes in Clifton - 78% - are primarily heated with natural gas.

FEMA rates Greenlee County's overall risk as Very Low, led by wildfire (Relatively Low). Greenlee County had 17 active NFIP flood policies as of September 2026. See the full Greenlee County home insurance overview for all FEMA hazard ratings and flood coverage details.

In Arizona, the statewide average premium for a standard HO-3 homeowners policy is $1,194 per year (NAIC, 2023 data).

Key figures

Median home value$66,000
Median year built1979
Owner-occupied share38%
Share of owner-occupied homes with a mortgage31%
Top county hazardWildfire (Relatively Low)
Active NFIP policies in Greenlee County17
Home insurance premium$1,194 - statewide average (NAIC, 2023 data)
Key home insurance figures for Clifton, AZ

Nearby towns

Sources

Data last updated: 2026-09-29