Home Insurance in Sahuarita, Arizona
With a median home value of $364,300, Sahuarita is 14% higher than the Pima County median.
The typical home in Sahuarita was built around 2006. About 1% of homes were built before 1960, about 12 points below Pima County's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Sahuarita, the housing stock is 91% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sahuarita, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sahuarita has an owner-occupancy rate of 81% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Sahuarita - 65% - are primarily heated with natural gas.
Pima County had 2,788 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). See the full Pima 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 | $364,300 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)