Home Insurance in Dewey-Humboldt, Arizona
Homes in Dewey-Humboldt carry a median value of $426,900 - close to the Yavapai County median.
The typical home in Dewey-Humboldt was built around 1995. About 4% of homes were built before 1960, about 2 points below Yavapai County's 5%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Dewey-Humboldt is 66% single-family homes and 33% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Dewey-Humboldt carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 89% of occupied homes in Dewey-Humboldt are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Dewey-Humboldt, 39% of homes are primarily heated with propane.
What's the biggest home insurance risk near Dewey-Humboldt? 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.
In Arizona, the statewide average premium for a standard HO-3 homeowners policy is $1,194 per year (NAIC, 2023 data).
Key figures
| Median home value | $426,900 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)