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Home insurance & flood costs in ZIP 85138 (Maricopa, AZ)

Plain facts for homeowners in Maricopa: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 85138 at a glance

Four numbers most homeowners ask about first.

$1,019
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$960
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

3.51%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

4.7%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 85138 in numbers
$11,105
average paid claim (2022)
+9%
premium change 2018–2022, after inflation
3.33%
cancelled by insurers mid-term (2022)
132
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 85138 was $1,019 in 2022, about the same as the Pinal County typical ZIP ($1,030) and 34% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 9% between 2018 and 2022. About 4.7% of policies here had a paid claim in 2022, and insurers chose not to renew 3.51% of policies.

Pinal County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 85138PinalU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 85138 in 2025 cost $960, based on 132 policies, compared with $854 in 2022. About 80% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

132 policies
A zones 80%X/B/C zones 20%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Pinal County

The chart shows the share of homeowners policies in ZIP 85138 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Pinal County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Heat wave99 · Relatively High
  • Wildfire98 · Relatively High
  • Lightning97 · Very High
  • Inland flooding96 · Relatively High
  • Drought96 · Relatively High

Other ZIP codes in Pinal County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 16; see the county page for all.

85118 Gold Canyon · $1,10985119 Apache Junction · $88885120 Apache Junction · $72585122 Casa Grande · $94485123 Arizona City · $95285128 Coolidge · $97485131 Eloy · $93585132 Florence · $98485139 Maricopa · $1,25285140 San Tan Valley · $1,03385142 Queen Creek · $1,22185143 San Tan Valley · $1,131

Practical next steps

Simple things homeowners in ZIP 85138 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.
Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

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.