Home Insurance in Florence, Arizona
With a median home value of $346,300, Florence is close to the Pinal County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Florence was built around 2005. About 5% of homes were built before 1960, in line with Pinal County (4%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Florence is 72% single-family homes, 4% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
54% of owner-occupied homes in Florence carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Florence has an owner-occupancy rate of 87% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Florence, 49% of homes are primarily heated with electricity.
FEMA rates Pinal County's overall risk as Relatively Moderate, led by wildfire (Relatively High). Pinal County had 899 active NFIP flood policies as of September 2026. See the full Pinal 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 | $346,300 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Pinal County | 899 |
| 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)