Homeowners insurance cost in Arizona by county
Historical county budgeting benchmarks built from a statewide NAIC average, county median home values, and bounded FEMA risk adjustments—not carrier quotes.
Arizona overview
Across 15 published counties, the average modeled budget is $1,539/yr, with county estimates ranging from $484 to $2,768 per year.
Low confidence The baseline is the 2022 NAIC HO-3 state average of $1,018/yr. FEMA risk is a relative signal, not insurer underwriting.
Compare total monthly carrying costs in Arizona, including mortgage, tax, and insurance benchmarks.
Key county insurance pages in Arizona
Start with these larger or higher-budget county pages, then use the full table for the rest of the published Arizona launch wave.
- Maricopa County: $2,768/yr modeled budget
- Coconino County: $2,650/yr modeled budget
- Yavapai County: $2,508/yr modeled budget
- Pinal County: $2,059/yr modeled budget
- Pima County: $1,946/yr modeled budget
- Mohave County: $1,667/yr modeled budget
- Gila County: $1,555/yr modeled budget
- Santa Cruz County: $1,330/yr modeled budget
County insurance budgets
| County | Median home | FEMA risk percentile | Insurance budget |
|---|---|---|---|
| Apache County | $63,700 | 78.78 (Relatively Low) | $626/yr |
| Cochise County | $218,300 | 92.84 (Relatively Moderate) | $1,281/yr |
| Coconino County | $448,000 | 94.21 (Relatively Moderate) | $2,650/yr |
| Gila County | $269,400 | 90.17 (Relatively Moderate) | $1,555/yr |
| Graham County | $212,000 | 64.6 (Relatively Low) | $1,034/yr |
| Greenlee County | $158,600 | 12.37 (Very Low) | $484/yr |
| La Paz County | $135,800 | 83.52 (Relatively Moderate) | $752/yr |
| Maricopa County | $452,800 | 99.87 (Very High) | $2,768/yr |
| Mohave County | $281,000 | 94.75 (Relatively High) | $1,667/yr |
| Navajo County | $201,500 | 88.07 (Relatively Moderate) | $1,148/yr |
| Pima County | $319,700 | 99.11 (Relatively High) | $1,946/yr |
| Pinal County | $349,000 | 93.83 (Relatively Moderate) | $2,059/yr |
| Santa Cruz County | $233,000 | 88.33 (Relatively Moderate) | $1,330/yr |
| Yavapai County | $425,200 | 93.73 (Relatively Moderate) | $2,508/yr |
| Yuma County | $217,800 | 92.56 (Relatively Moderate) | $1,276/yr |
Sources and limitations
Data as of 2022-12-31; FEMA version 1.20; data version 2024.1.
Sources: NAIC Homeowners Insurance Report; FEMA National Risk Index; U.S. Census ACS county median home values.
Read the insurance and PITI methodology
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.