Home Insurance in South Tucson, Arizona
Homes in South Tucson carry a median value of $167,000 - 48% lower than the Pima County median.
The typical home in South Tucson was built around 1967. About 39% of homes were built before 1960, about 26 points above Pima County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in South Tucson is 67% single-family homes, 21% 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.
53% of owner-occupied homes in South Tucson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 34% of occupied homes in South Tucson are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
54% of homes in South Tucson are primarily heated with electricity.
What's the biggest home insurance risk near South Tucson? FEMA's National Risk Index points to wildfire (Relatively High) in Pima County and 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 | $167,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 34% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)