Home Insurance in Clarkdale, Arizona
Homes in Clarkdale carry a median value of $373,600 - 12% lower than the Yavapai County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Clarkdale was built around 1989. About 11% of homes were built before 1960, about 6 points above Yavapai County's 5%.
In Clarkdale, the housing stock is 79% single-family homes, 7% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Clarkdale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clarkdale has an owner-occupancy rate of 75% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Clarkdale, 62% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Clarkdale? FEMA's National Risk Index points to wildfire (Relatively High) in Yavapai County and 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.
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 | $373,600 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)