Home Insurance in Show Low, Arizona
With a median home value of $299,600, Show Low is 49% higher than the Navajo County median.
The typical home in Show Low was built around 1997. About 3% of homes were built before 1960, about 5 points below Navajo County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Show Low, the housing stock is 61% single-family homes, 7% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Show Low have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Show Low has an owner-occupancy rate of 66% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
In Show Low, 61% of homes are primarily heated with natural gas.
Navajo County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. 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 | $299,600 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)