Home Insurance in Navajo County, Arizona
The median home value in Navajo County is $201,500, 49% lower than the Arizona median.
The typical home in Navajo County was built around 1989. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 8% of homes were built before 1960, in line with Arizona (8%).
In Navajo County, the housing stock is 74% single-family homes, 2% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Navajo County, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Navajo County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 32% of homes in Navajo County are primarily heated with wood.
FEMA's National Risk Index lists wildfire (Relatively High), winter weather (Very High) and inland flooding (Relatively Moderate) as the leading hazards for Navajo County.
Navajo County had 358 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $201,500 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Winter Weather (Very High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 358 |
| Home insurance premium | $1,194 - statewide average (NAIC, 2023 data) |
Towns and cities
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)