Home Insurance in Patagonia, Arizona
Homes in Patagonia carry a median value of $361,500 - 55% higher than the Santa Cruz County median.
The typical home in Patagonia was built around 1967. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 31% of homes were built before 1960, about 21 points above Santa Cruz County's 10%.
The housing stock in Patagonia is 69% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Patagonia, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Patagonia are owner-occupied.
57% of homes in Patagonia are primarily heated with electricity.
What's the biggest home insurance risk near Patagonia? FEMA's National Risk Index points to wildfire (Relatively High) in Santa Cruz County and Santa Cruz County had 352 active NFIP flood policies as of September 2026. See the full Santa Cruz 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 | $361,500 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Santa Cruz County | 352 |
| 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)