Home Insurance in Pinetop-Lakeside, Arizona
The median home value in Pinetop-Lakeside is $370,800, 84% higher than the Navajo County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Pinetop-Lakeside was built around 1986. About 5% of homes were built before 1960, about 3 points below Navajo County's 8%.
The housing stock in Pinetop-Lakeside is 77% single-family homes, 3% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Pinetop-Lakeside have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Pinetop-Lakeside are owner-occupied. The vacancy rate is 46%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 45% of homes in Pinetop-Lakeside are primarily heated with natural gas.
What's the biggest home insurance risk near Pinetop-Lakeside? FEMA's National Risk Index points to wildfire (Relatively High) in Navajo County and 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.
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 | $370,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 77% |
| 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)