Home Insurance in Pima County, Arizona
The median home value in Pima County is $319,700, 19% lower than the Arizona median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Pima County was built around 1986. About 13% of homes were built before 1960, about 5 points above Arizona's 8%.
In Pima County, the housing stock is 67% single-family homes, 18% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in Pima County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pima County has an owner-occupancy rate of 65% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Pima County, 51% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Pima County's top hazards are wildfire (Relatively High), inland flooding (Very High) and hail (Relatively Moderate).
Pima County had 2,788 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.
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 | $319,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Inland Flooding (Very High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 2,788 |
| Home insurance premium | $1,194 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)