Home Insurance in Mammoth, Arizona
With a median home value of $98,400, Mammoth is 72% lower than the Pinal County median.
The typical home in Mammoth was built around 1972. About 25% of homes were built before 1960, about 21 points above Pinal County's 4%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Mammoth, the housing stock is 65% single-family homes, 3% apartments in buildings with 5+ units and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mammoth, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mammoth has an owner-occupancy rate of 89% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Mammoth, 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.
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 | $98,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)