Home Insurance in Pinal County, Arizona
Homes in Pinal County carry a median value of $349,000 - 12% lower than the Arizona median.
The typical home in Pinal County was built around 2004. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 4 points below Arizona's 8%.
The housing stock in Pinal County is 78% single-family homes, 3% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pinal County, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Pinal County are owner-occupied.
61% of homes in Pinal County are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively High), inland flooding (Relatively High) and hail (Relatively Moderate) as the leading hazards for Pinal County.
As of September 2026, Pinal County has 899 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $349,000 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Inland Flooding (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 899 |
| Home insurance premium | $1,194 - statewide average (NAIC, 2023 data) |
Towns and cities
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)