Homeowners Insurance in Flagstaff, AZ

For a home at Flagstaff's median value of $552,900, we estimate about $1,415 a year — +19% versus the Arizona NAIC average of $1,194.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Flagstaff

Est. premium

$1,415

$118/mo · median home

Median home value

$552,900

Arizona: $394,500

Median year built

1992

Census ACS

Owner-occupied

42.3%

of households

Hazard score

64.4

state ref. 80.6

Flagstaff's estimate reflects its home values (40% higher than the state median) and FEMA's hazard profile for Coconino County.

Natural hazard risk in Flagstaff

FEMA National Risk Index — Coconino County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Low	57.1	Comprehensive (car); roof claims (home)
Tornado	Very Low	24.3	Comprehensive; dwelling
Hurricane	Not rated	0.0	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	96.5	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Very Low	14.4	Comprehensive; dwelling
Winter weather	Very High	98.3	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively High	99.4	Comprehensive; dwelling
Earthquake	Relatively Moderate	90.4	Home needs a separate earthquake policy
Lightning	Very High	99.6	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Flagstaff

Dwelling value	Wood frame	Brick / masonry
$200,000	$625	$575
$300,000	$865	$795
$500,000	$1,305	$1,200
$750,000	$1,805	$1,660

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Flagstaff

ZIP	Median home value	Owner-occupied	Est. premium
86001	$589,100	36.8%	$1,485
86004	$509,900	62.8%	$1,325
86005	$599,900	57.1%	$1,510

Homeowners insurance in Arizona · Car insurance in Flagstaff · Insurance offices near Flagstaff

Frequently asked questions

How much is homeowners insurance in Flagstaff?

For a home at Flagstaff's median value of $552,900, we estimate about $1,415 a year for a standard HO-3 policy with a $1,000 deductible. The Arizona NAIC average is $1,194.

What are the biggest natural hazards in Flagstaff?

FEMA's National Risk Index rates Coconino County relatively high or very high for inland (river) flooding, winter weather, wildfire, and lightning.

Does the age of homes in Flagstaff affect insurance?

Yes. The median home in Flagstaff was built in 1992 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

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

Sources used on this page