Homeowners Insurance in Arizona

The average Arizona homeowners premium is $1,194 a year (NAIC) — ▼ −31% versus the U.S. average of $1,737, ranking 42nd of 51.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. Real premiums depend on the insurer, the home, its roof and claims history. We are not an insurance company or agency. How we estimate

Average homeowners and renters insurance in Arizona

Homeowners (HO-3)

$1,194

NAIC average / year

Renters (HO-4)

$166

U.S. $173

Median home value

$394,500

Census ACS

FEMA expected loss rating

Relatively Moderate

all natural hazards

NAIC averages cover standard owner-occupied (HO-3) policies. Premiums scale with the cost to rebuild, so Arizona's median home value of $394,500 and its exposure to wind, hail and wildfire explain much of the difference from other states.

Natural hazard risk in Arizona

FEMA National Risk Index — expected annual loss by hazard (state level)
Hazard	Expected loss rating	Score	Expected annual loss
Hail	Relatively Low	60.4	$29,067,982
Tornado	Relatively Low	24.5	$7,807,280
Hurricane	Very Low	10.9	$51,248
Inland (river) flooding	Relatively High	85.7	$1,984,981,267
Coastal flooding	Not rated	—	—
Wildfire	Relatively High	98.0	$228,349,137
Earthquake	Relatively Low	62.5	$103,438,517
Winter weather	Relatively Moderate	33.9	$3,305,169
Strong wind	Relatively Low	34.0	$14,388,895
Lightning	Relatively Moderate	55.8	$28,707,739

Standard homeowners policies exclude flood and earthquake; both need separate coverage. Wind and hurricane damage is covered but often with a separate percentage deductible in coastal states.

Home Insurance Estimator

Estimated annual premium

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Per month

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Estimated homeowners insurance by city

For a home at each city's median value, standard frame construction and a $1,000 deductible. The lowest estimate is in Yuma ($610) and the highest in Scottsdale ($2,100).

City	Median home value	Median year built	Hail / wind	Est. premium
Phoenix	$420,700	1985	Very High / Very High	$1,270
Tucson	$266,200	1979	Relatively Moderate / Relatively Moderate	$855
Mesa	$408,000	1989	Very High / Very High	$1,240
Gilbert	$575,100	2003	Very High / Very High	$1,630
Chandler	$507,800	1997	Very High / Very High	$1,475
Glendale	$387,500	1986	Very High / Very High	$1,190
Scottsdale	$789,800	1991	Very High / Very High	$2,100
Peoria	$463,600	1999	Very High / Very High	$1,370
Tempe	$455,400	1984	Very High / Very High	$1,350
Surprise	$435,100	2005	Very High / Very High	$1,305
Goodyear	$471,300	2007	Very High / Very High	$1,390
Buckeye	$419,800	2011	Very High / Very High	$1,265
Yuma	$230,000	1990	Very Low / Relatively Moderate	$610
Flagstaff	$552,900	1992	Relatively Low / Very Low	$1,415

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Frequently asked questions

How much is homeowners insurance in Arizona?

NAIC data puts the average Arizona homeowners (HO-3) premium at $1,194 a year, ranking 42nd of 51 (1 = most expensive). The national average is $1,737.

How much is renters insurance in Arizona?

The NAIC average renters (HO-4) premium in Arizona is $166 a year.

What natural hazards affect home insurance in Arizona?

FEMA's National Risk Index rates Arizona relatively high or very high for expected annual losses from inland (river) flooding and wildfire. Standard homeowners policies exclude flood and earthquake, which need separate coverage.

Does homeowners insurance cover floods in Arizona?

No. Standard homeowners policies exclude flood damage. Flood coverage is sold separately through the National Flood Insurance Program (NFIP) or private insurers.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for the state, scale it by the ratio of the home value to the state median home value (Census ACS), adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for the county relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page