Home Insurance in La Paz County, Arizona
With a median home value of $135,800, La Paz County is 66% lower than the Arizona median.
The typical home in La Paz County was built around 1985. About 5% of homes were built before 1960, about 3 points below Arizona's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In La Paz County, the housing stock is 37% single-family homes, 2% apartments in buildings with 5+ units and 54% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
26% of owner-occupied homes in La Paz County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in La Paz County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in La Paz County - 70% - are primarily heated with electricity.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), earthquake (Relatively Low) and wildfire (Relatively Low) as the leading hazards for La Paz County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
La Paz County had 262 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.
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 | $135,800 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Earthquake (Relatively Low), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 262 |
| 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)