Home Insurance in San Luis, Arizona
Homes in San Luis carry a median value of $224,900 - close to the Yuma County median.
The typical home in San Luis was built around 2002. About 2% of homes were built before 1960, about 7 points below Yuma County's 8%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in San Luis is 74% single-family homes, 3% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
In San Luis, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in San Luis are owner-occupied.
Most homes in San Luis - 88% - are primarily heated with electricity.
Yuma County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. Yuma County had 407 active NFIP flood policies as of September 2026. See the full Yuma County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $224,900 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Yuma County | 407 |
| 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)