Home Insurance in Prescott Valley, Arizona
The median home value in Prescott Valley is $413,200, close to the Yavapai County median.
The typical home in Prescott Valley was built around 2002. About 0% of homes were built before 1960, about 5 points below Yavapai County's 5%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Prescott Valley is 74% single-family homes, 5% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Prescott Valley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Prescott Valley has an owner-occupancy rate of 72% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Prescott Valley, 73% of homes are primarily heated with natural gas.
Yavapai County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. 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 | $413,200 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)