Home Insurance in Oro Valley, Arizona
The median home value in Oro Valley is $475,700, 49% higher than the Pima County median.
The typical home in Oro Valley was built around 1997. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 2% of homes were built before 1960, about 11 points below Pima County's 13%.
In Oro Valley, the housing stock is 80% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Oro Valley, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Oro Valley are owner-occupied.
In Oro Valley, 63% of homes are primarily heated with natural gas.
FEMA rates Pima County's overall risk as Relatively High, led by wildfire (Relatively High). 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.
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 | $475,700 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)