Home Insurance in Yuma County, Arizona
With a median home value of $217,800, Yuma County is 45% lower than the Arizona median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Yuma County was built around 1995. About 8% of homes were built before 1960, in line with Arizona (8%).
The housing stock in Yuma County is 59% single-family homes, 6% apartments in buildings with 5+ units and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Yuma County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Yuma County are owner-occupied.
In Yuma County, 73% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Yuma County's top hazards are earthquake (Relatively High), inland flooding (Relatively Moderate) and strong wind (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Yuma County has 407 active NFIP flood policies on file.
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 | $217,800 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively High), Inland Flooding (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 407 |
| Home insurance premium | $1,194 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)