Home Insurance in Wickenburg, Arizona
The median home value in Wickenburg is $470,300, close to 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 Wickenburg was built around 1993. About 13% of homes were built before 1960, about 6 points above Maricopa County's 7%.
In Wickenburg, the housing stock is 82% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Wickenburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Wickenburg are owner-occupied.
In Wickenburg, 64% of homes 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.
The statewide average premium for a standard HO-3 homeowners policy in Arizona is $1,194 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $470,300 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)