Home Insurance in Kearny, Arizona
The median home value in Kearny is $125,100, 64% lower than the Pinal County median.
The typical home in Kearny was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 14 points above Pinal County's 4%.
The housing stock in Kearny is 92% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 52% of owner-occupied homes in Kearny have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Kearny are owner-occupied.
In Kearny, 57% of homes are primarily heated with natural gas.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Arizona carries a statewide average premium of $1,194 per year.
Key figures
| Median home value | $125,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)