Home Insurance in Marana, Arizona
The median home value in Marana is $413,800, 29% higher than the Pima County median.
The typical home in Marana was built around 2008. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 1% of homes were built before 1960, about 12 points below Pima County's 13%.
In Marana, the housing stock is 90% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Marana, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Marana are owner-occupied.
In Marana, 65% of homes are primarily heated with natural gas.
Pima County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. Pima County had 2,788 active NFIP flood policies as of September 2026. See the full Pima County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Arizona carries a statewide average premium of $1,194 per year.
Key figures
| Median home value | $413,800 |
|---|---|
| Median year built | 2008 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Pima County | 2,788 |
| 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)