Home Insurance in Guadalupe, Arizona
With a median home value of $271,300, Guadalupe is 40% lower than the Maricopa County median.
The typical home in Guadalupe was built around 1993. About 18% of homes were built before 1960, about 11 points above Maricopa County's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Guadalupe breaks down to 74% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Guadalupe, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Guadalupe are owner-occupied.
72% of homes in Guadalupe are primarily heated with electricity.
Maricopa County's top FEMA-rated hazard is inland flooding (Very High), per FEMA's National Risk Index. 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 | $271,300 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)