Home Insurance in Somerton, Arizona
Homes in Somerton carry a median value of $232,600 - 7% higher than the Yuma County median.
The typical home in Somerton was built around 2002. About 8% of homes were built before 1960, in line with Yuma County (8%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Somerton is 82% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Somerton, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Somerton are owner-occupied.
In Somerton, 82% of homes are primarily heated with electricity.
FEMA rates Yuma County's overall risk as Relatively Moderate, led by earthquake (Relatively High). 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 | $232,600 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)