Home Insurance in Glendale, Arizona
With a median home value of $387,500, Glendale is 14% lower than the Maricopa County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Glendale was built around 1986. About 6% of homes were built before 1960, about 1 point below Maricopa County's 7%.
The housing stock in Glendale is 64% single-family homes, 25% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 67% of owner-occupied homes in Glendale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Glendale are owner-occupied.
75% of homes in Glendale are primarily heated with electricity.
FEMA rates Maricopa County's overall risk as Very High, led by inland flooding (Very High). Maricopa County had 12,101 active NFIP flood policies as of September 2026. 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.
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 | $387,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)