Home Insurance in Wellton, Arizona
Homes in Wellton carry a median value of $55,600 - 74% lower than the Yuma County median.
The typical home in Wellton was built around 2002. About 3% of homes were built before 1960, about 5 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.
The housing stock in Wellton is 41% single-family homes, 1% apartments in buildings with 5+ units and 49% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
26% of owner-occupied homes in Wellton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Wellton has an owner-occupancy rate of 88% and a vacancy rate of 37%; unoccupied homes typically need a different coverage form.
Most homes in Wellton - 77% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Yuma County had 407 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). 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.
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 | $55,600 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)