Home Insurance in Fountain Hills, Arizona
With a median home value of $622,900, Fountain Hills is 38% higher than the Maricopa County median.
The typical home in Fountain Hills was built around 1994. About 0% of homes were built before 1960, about 7 points below Maricopa County's 7%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Fountain Hills is 80% single-family homes and 11% apartments in buildings with 5+ units.
57% of owner-occupied homes in Fountain Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 84% of occupied homes in Fountain Hills are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Fountain Hills, 83% of homes are primarily heated with electricity.
Maricopa County had 12,101 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Very High). See the full Maricopa 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 | $622,900 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Inland Flooding (Very High) |
| Active NFIP policies in Maricopa County | 12,101 |
| 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)