Home Insurance in Holbrook, Arizona
The median home value in Holbrook is $163,600, 19% lower than the Navajo County median.
The typical home in Holbrook was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 31% of homes were built before 1960, about 23 points above Navajo County's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Holbrook is 73% single-family homes, 3% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
About 50% of owner-occupied homes in Holbrook have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Holbrook are owner-occupied.
In Holbrook, 66% of homes are primarily heated with natural gas.
FEMA rates Navajo County's overall risk as Relatively Moderate, led by wildfire (Relatively High). Navajo County had 358 active NFIP flood policies as of September 2026. See the full Navajo County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $163,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Navajo County | 358 |
| 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)