Home Insurance in Mesa, Arizona
With a median home value of $408,000, Mesa is 10% lower than the Maricopa County median.
The typical home in Mesa was built around 1989. About 4% of homes were built before 1960, about 3 points below Maricopa County's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mesa is 61% single-family homes, 20% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
64% of owner-occupied homes in Mesa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mesa has an owner-occupancy rate of 64% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
76% of homes in Mesa 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.
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 | $408,000 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)