Home Insurance in Camp Verde, Arizona
The median home value in Camp Verde is $318,100, 25% lower than the Yavapai County median.
The typical home in Camp Verde was built around 1992. About 5% of homes were built before 1960, in line with Yavapai County (5%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Camp Verde is 63% single-family homes, 2% apartments in buildings with 5+ units and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Camp Verde, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Camp Verde are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Camp Verde, 46% of homes are primarily heated with electricity.
FEMA rates Yavapai County's overall risk as Relatively Moderate, led by wildfire (Relatively High). Yavapai County had 1,540 active NFIP flood policies as of September 2026. See the full Yavapai 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 | $318,100 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Yavapai County | 1,540 |
| 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)