HomeInsuranceQts

Home Insurance in Maricopa, Arizona

Homes in Maricopa carry a median value of $377,200 - 8% higher than the Pinal County median.

The typical home in Maricopa was built around 2007. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 1% of homes were built before 1960, about 3 points below Pinal County's 4%.

Housing in Maricopa breaks down to 98% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

About 81% of owner-occupied homes in Maricopa have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Maricopa are owner-occupied.

In Maricopa, 50% of homes are primarily heated with natural gas.

Pinal County had 899 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). 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$377,200
Median year built2007
Owner-occupied share84%
Share of owner-occupied homes with a mortgage81%
Top county hazardWildfire (Relatively High)
Active NFIP policies in Pinal County899
Home insurance premium$1,194 - statewide average (NAIC, 2023 data)
Key home insurance figures for Maricopa, AZ

Nearby towns

Sources

Data last updated: 2026-09-29