Home insurance costs & natural hazards in Arizona
Plain facts for Arizona homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Arizona at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Arizona pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Arizona ZIP code saw homeowners premiums of $1,172 per policy in 2022, 24% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 11% between 2018 and 2022. The figures come from 328 Arizona ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 15,473 single-family NFIP policies took effect in Arizona in 2025, at an average full cost of $1,082, compared with $888 in 2022. About 68% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Arizona's 15 counties FEMA rates relatively high or very high for each hazard. The most widespread are lightning, wildfire and heat wave. Open any county for its full hazard profile.
Hazards across Arizona's counties
Arizona counties
All 15 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Apache County | $1,283 | $1,435 | Relatively Low |
| Cochise County | $1,074 | $1,184 | Relatively Moderate |
| Coconino County | $1,198 | $1,436 | Relatively Moderate |
| Gila County | $1,099 | $1,690 | Relatively Moderate |
| Graham County | $1,175 | $1,023 | Relatively Low |
| Greenlee County | $1,288 | $1,589 | Very Low |
| La Paz County | $826 | $1,567 | Relatively Moderate |
| Maricopa County | $1,249 | $921 | Very High |
| Mohave County | $1,028 | $999 | Relatively High |
| Navajo County | $1,251 | $1,472 | Relatively Moderate |
| Pima County | $1,052 | $1,179 | Relatively High |
| Pinal County | $1,030 | $991 | Relatively Moderate |
| Santa Cruz County | $1,448 | $1,571 | Relatively Moderate |
| Yavapai County | $1,134 | $1,443 | Relatively Moderate |
| Yuma County | $833 | $975 | Relatively Moderate |
ZIP codes with the most flood policies
Practical next steps
Simple things Arizona homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.