Home Insurance in Goodyear, Arizona
The median home value in Goodyear is $471,300, close to the Maricopa County median.
The typical home in Goodyear was built around 2007. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 2% of homes were built before 1960, about 5 points below Maricopa County's 7%.
Housing in Goodyear breaks down to 86% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Goodyear, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Goodyear are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Goodyear, 51% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Goodyear? FEMA's National Risk Index points to inland flooding (Very High) in Maricopa County and 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.
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 | $471,300 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)