Home Insurance in Superior, Arizona
Homes in Superior carry a median value of $140,400 - 60% lower than the Pinal County median.
The typical home in Superior was built around 1952. About 68% of homes were built before 1960, about 63 points above Pinal County's 4%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Superior is 87% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
34% of owner-occupied homes in Superior carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Superior are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Superior - 50% - are primarily heated with electricity.
Pinal County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. 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 | $140,400 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)