Home Insurance in Maricopa County, Arizona
Homes in Maricopa County carry a median value of $452,800 - 15% higher than the Arizona median.
The typical home in Maricopa County was built around 1993. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 7% of homes were built before 1960, in line with Arizona (8%).
In Maricopa County, the housing stock is 70% single-family homes, 21% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
67% of owner-occupied homes in Maricopa County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Maricopa County has an owner-occupancy rate of 65% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Maricopa County - 68% - are primarily heated with electricity.
FEMA's National Risk Index lists inland flooding (Very High), wildfire (Relatively High) and hail (Very High) as the leading hazards for Maricopa County.
Maricopa County had 12,101 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 | $452,800 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Very High), Wildfire (Relatively High), Hail (Very High) |
| Active NFIP flood policies (county) | 12,101 |
| Home insurance premium | $1,194 - statewide average (NAIC, 2023 data) |
Towns and cities
- Avondale
- Buckeye
- Carefree
- Cave Creek
- Chandler
- El Mirage
- Fountain Hills
- Gila Bend
- Gilbert
- Glendale
- Goodyear
- Guadalupe
- Litchfield Park
- Mesa
- Paradise Valley
- Peoria
- Phoenix
- Queen Creek
- Surprise
- Tempe
- Tolleson
- Wickenburg
Smaller communities
-
Scottsdale
- Median home value: $789,800
- Median year built: 1991
- Owner-occupied share: 67%
-
Youngtown
- Median home value: $320,000
- Median year built: 1979
- Owner-occupied share: 64%
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)