Home Insurance in Tucson, Arizona
With a median home value of $266,200, Tucson is 17% lower than the Pima County median.
The typical home in Tucson was built around 1979. About 22% of homes were built before 1960, about 9 points above Pima County's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tucson is 60% single-family homes, 27% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
62% of owner-occupied homes in Tucson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Tucson are owner-occupied.
49% of homes in Tucson are primarily heated with electricity.
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 | $266,200 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)