Home Insurance in Parker, Arizona
Homes in Parker carry a median value of $300,000 - 121% higher than the La Paz County median.
The typical home in Parker was built around 1980. About 15% of homes were built before 1960, about 10 points above La Paz County's 5%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Parker, the housing stock is 87% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Parker carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Parker has an owner-occupancy rate of 61% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
73% of homes in Parker are primarily heated with electricity.
FEMA rates La Paz County's overall risk as Relatively Moderate, led by inland flooding (Relatively Moderate). La Paz County had 262 active NFIP flood policies as of September 2026. See the full La Paz County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $300,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in La Paz County | 262 |
| 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)