Arizona Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 325 ZIP codes in Arizona (AZ).

The verdict

According to U.S. Treasury FIO filings, Arizona ranks #46 of 51 by average premium ($1,226/yr) ≠ #4 of 50 by nonrenewal (1.99%). Cost rank is not withdrawal rank.

$1,226
State avg premium (#46 of 51): #4
Nonrenewal of 50 (1.99%): 85253
In-state premium ZIP #1 ($5,028): 85706
In-state nonrenewal ZIP #1 (3.72%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Arizona vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,226 Among the lowest premiums lower premium than 88% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Arizona pay an average of $1,226 per year for home insurance - 31% below the national average of $1,776. That ranks Arizona as the 46th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 10.7%; nonrenewal rates climbed by 57.0% over the same period.

On five-year premium growth (2018–2022), Arizona ranks 13th out of 51 states. Its nonrenewal rate (1.99%) ranks 4th out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Arizona Compares

vs National Average

$1,226 vs $1,776

31% below national avg

Rank Among States

46th of 51

most expensive for homeowners insurance

Loss Ratio vs National

66.7% vs 58.0%

insurers pay out more per premium dollar here

Avg Premium

$1,226/yr

National avg: $1,776 (-31% below)

Premium Change

+10.7%

2018-2022 change

Avg Loss Ratio

66.7%

Claims paid vs premiums earned

Nonrenewal Rate

1.99%

+57.0% change

Data Snapshot: Arizona Homeowners Insurance

Across the 325 Arizona ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,226. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. That is 31% below the national average of $1,776 per year reported by the Federal Insurance Office. Arizona ranks 46th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $565 in 85141 to $5,028 in 85253.

Between 2018 and 2022, average premiums rose by 10.7% in Arizona, placing the state 13th nationally on five-year premium growth. The state-level loss ratio averaged 66.7%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 1.99% across the ZIP codes that report one, a climb of 57.0% over the study period (ranking 4th out of 50 states).

Within Arizona, premium dispersion across ZIP codes is substantial: the most expensive ZIP (85253 in Paradise Valley) charges 791% more than the least expensive (85141 in Picacho), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Arizona

Arizona statewide - FIO 2018-2022 average: 67% (Healthy) - standard operating range, sustainable for long-run pricing.

ZIP Codes Tracked

325

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,107	$1,060	55.0%	5.00%	1.27%
2019	$1,113 (+0.6%)	$1,061	51.1%	4.38%	1.39%
2020	$1,138 (+2.2%)	$1,090	48.7%	4.21%	1.25%
2021	$1,174 (+3.2%)	$1,123	59.0%	4.99%	1.42%
2022	$1,226 (+4.4%)	$1,173	66.7%	5.89%	1.99%

Average homeowners premium per year in Arizona.

Most Expensive ZIP Codes in Arizona

Most Affordable ZIP Codes in Arizona

All ZIP Codes in Arizona

325 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
85253	Paradise Valley	$5,028	55.7%	9.43%	1.24%
85262	Scottsdale	$3,157	49.6%	4.99%	1.15%
85255	Scottsdale	$2,582	67.3%	5.99%	0.91%
85377	Carefree	$2,548	41.3%	3.95%	0.66%
85264	Fort Mcdowell	$2,446	9.4%	3.36%	2.52%
85259	Scottsdale	$2,333	81.6%	7.07%	1.10%
85018	Phoenix	$2,296	107.8%	7.34%	1.15%
85266	Scottsdale	$2,218	34.0%	4.65%	1.13%
85012	Phoenix	$2,129	101.9%	6.67%	1.78%
86336	Sedona	$2,068	20.5%	3.08%	1.16%
85927	Greer	$1,944	8.0%	1.04%	4.17%
85718	Tucson	$1,920	29.9%	4.85%	0.81%
85258	Scottsdale	$1,912	65.3%	6.25%	0.95%
85260	Scottsdale	$1,867	54.4%	7.25%	1.13%
85016	Phoenix	$1,814	67.3%	7.49%	1.34%
85028	Phoenix	$1,713	67.1%	6.46%	1.18%
85251	Scottsdale	$1,702	79.0%	8.17%	1.13%
85254	Scottsdale	$1,700	62.3%	6.51%	1.27%
85268	Fountain Hills	$1,695	45.3%	4.01%	0.93%
85331	Cave Creek	$1,688	75.5%	5.31%	1.15%
85637	Sonoita	$1,681	22.8%	3.62%	0.90%
86338	Skull Valley	$1,664	12.4%	3.23%	N/A
85284	Tempe	$1,654	50.9%	5.35%	0.75%
86018	Parks	$1,591	25.0%	2.43%	1.62%
85003	Phoenix	$1,588	43.8%	5.32%	0.94%
86351	Sedona	$1,585	21.3%	2.49%	0.99%
85750	Tucson	$1,584	30.8%	4.69%	0.68%
85250	Scottsdale	$1,583	173.6%	11.32%	1.35%
85611	Elgin	$1,580	19.9%	2.81%	1.05%
85934	Pinedale	$1,578	65.6%	3.47%	1.04%
85021	Phoenix	$1,571	99.1%	7.78%	1.89%
85013	Phoenix	$1,568	74.2%	9.43%	1.14%
85004	Phoenix	$1,563	56.3%	7.86%	1.07%
85640	Tumacacori	$1,550	50.1%	4.69%	4.69%
86001	Flagstaff	$1,542	54.3%	4.93%	1.83%
85020	Phoenix	$1,539	86.3%	8.56%	1.30%
85045	Phoenix	$1,530	43.7%	6.19%	1.22%
85014	Phoenix	$1,517	70.4%	8.73%	1.54%
85048	Phoenix	$1,508	47.2%	5.23%	1.52%
85749	Tucson	$1,508	45.1%	4.13%	0.94%
85935	Pinetop	$1,507	39.9%	2.75%	2.75%
85619	Mount Lemmon	$1,502	2.2%	0.66%	1.97%
85054	Phoenix	$1,485	55.6%	4.84%	2.32%
85007	Phoenix	$1,462	64.6%	6.14%	1.69%
85263	Rio Verde	$1,457	29.1%	2.64%	1.26%
85203	Mesa	$1,450	143.8%	13.11%	1.94%
85310	Glendale	$1,448	72.7%	7.11%	1.63%
85646	Tubac	$1,448	48.6%	3.23%	0.56%
85932	Nutrioso	$1,441	28.0%	2.68%	1.92%
86305	Prescott	$1,441	86.2%	9.78%	1.08%
85172	Stanfield	$1,438	36.7%	3.91%	0.78%
86303	Prescott	$1,438	54.7%	6.64%	1.25%
86021	Colorado City	$1,432	32.3%	1.92%	2.56%
85083	Phoenix	$1,429	45.5%	5.57%	1.56%
86024	Happy Jack	$1,427	13.2%	1.69%	3.22%
85087	New River	$1,419	43.9%	5.80%	1.97%
85023	Phoenix	$1,418	67.7%	6.35%	1.64%
85256	Scottsdale	$1,417	323.3%	21.53%	1.39%
85234	Gilbert	$1,414	67.9%	7.68%	1.26%
86331	Jerome	$1,414	4.8%	1.40%	2.10%
85624	Patagonia	$1,413	46.0%	2.33%	1.45%
85322	Arlington	$1,411	323.5%	20.47%	1.57%
85085	Phoenix	$1,391	32.5%	4.18%	1.57%
85086	Phoenix	$1,381	44.5%	4.96%	1.28%
85920	Alpine	$1,376	25.1%	1.85%	0.67%
85939	Taylor	$1,373	46.7%	5.33%	2.11%
86004	Flagstaff	$1,370	273.5%	7.54%	1.38%
85022	Phoenix	$1,368	82.1%	7.85%	1.39%
86032	Joseph City	$1,368	67.3%	6.25%	1.44%
85937	Snowflake	$1,339	87.0%	6.92%	2.35%
85249	Chandler	$1,330	38.7%	4.35%	1.70%
85044	Phoenix	$1,324	56.5%	4.97%	1.00%
85050	Phoenix	$1,321	47.0%	5.60%	2.16%
86343	Crown King	$1,315	11.3%	0.57%	4.00%
85355	Waddell	$1,315	42.8%	3.76%	2.06%
85308	Glendale	$1,309	58.8%	6.82%	1.78%
85015	Phoenix	$1,309	91.0%	8.49%	1.61%
85533	Clifton	$1,307	28.1%	3.56%	0.97%
85019	Phoenix	$1,305	81.3%	8.58%	1.81%
85340	Litchfield Park	$1,304	45.9%	4.97%	2.19%
86511	Saint Michaels	$1,304	N/A	N/A	2.56%
85601	Arivaca	$1,297	40.2%	3.10%	0.78%
85304	Glendale	$1,296	62.8%	6.38%	1.40%
85051	Phoenix	$1,296	96.4%	9.38%	1.90%
85213	Mesa	$1,289	88.0%	9.64%	1.89%
85940	Vernon	$1,284	38.5%	4.79%	0.87%
85053	Phoenix	$1,284	67.7%	7.99%	2.08%
85306	Glendale	$1,283	63.4%	7.26%	1.66%
85925	Eagar	$1,282	96.7%	3.98%	1.19%
85928	Heber	$1,279	33.0%	3.01%	1.78%
85029	Phoenix	$1,276	90.8%	9.02%	1.89%
85606	Cochise	$1,276	13.9%	3.52%	3.02%
85381	Peoria	$1,273	55.7%	7.06%	1.33%
85936	Saint Johns	$1,272	66.8%	4.23%	2.35%
85257	Scottsdale	$1,270	123.6%	9.20%	1.44%
85297	Gilbert	$1,269	36.0%	5.07%	1.09%
85534	Duncan	$1,268	22.7%	2.90%	1.94%
85008	Phoenix	$1,265	83.0%	6.82%	1.76%
85931	Forest Lakes	$1,264	39.2%	2.02%	7.92%
85233	Gilbert	$1,264	53.5%	5.91%	1.59%
85541	Payson	$1,260	73.9%	6.60%	2.04%
85032	Phoenix	$1,259	62.8%	6.85%	1.47%
85042	Phoenix	$1,257	52.1%	6.16%	1.70%
85031	Phoenix	$1,257	91.5%	9.60%	2.35%
85139	Maricopa	$1,252	60.7%	5.67%	2.64%
85207	Mesa	$1,251	54.1%	5.69%	1.39%
85929	Lakeside	$1,251	48.4%	3.02%	2.53%
85006	Phoenix	$1,251	63.7%	6.71%	1.48%
85544	Pine	$1,248	48.1%	3.15%	4.23%
85339	Laveen	$1,247	45.0%	5.09%	3.25%
85286	Chandler	$1,243	47.9%	5.24%	1.40%
85201	Mesa	$1,243	106.8%	8.98%	1.44%
85226	Chandler	$1,241	40.3%	4.89%	1.16%
85193	Casa Grande	$1,237	102.5%	11.48%	2.71%
85645	Amado	$1,234	77.9%	6.32%	2.30%
85283	Tempe	$1,234	82.8%	5.39%	1.13%
85224	Chandler	$1,232	60.9%	5.48%	1.20%
85024	Phoenix	$1,232	47.1%	6.05%	1.08%
85531	Central	$1,232	314.5%	3.23%	2.58%
85296	Gilbert	$1,232	54.6%	5.52%	1.68%
86332	Kirkland	$1,229	32.3%	4.06%	1.01%
85041	Phoenix	$1,227	63.7%	6.06%	2.19%
85017	Phoenix	$1,225	68.4%	8.45%	1.63%
85202	Mesa	$1,223	79.7%	7.05%	1.59%
85737	Tucson	$1,223	65.1%	6.71%	0.85%
85142	Queen Creek	$1,221	51.2%	4.61%	1.53%
85390	Wickenburg	$1,221	79.7%	10.98%	1.09%
85630	Saint David	$1,217	31.8%	3.90%	2.20%
85298	Gilbert	$1,215	46.0%	4.06%	1.19%
85554	Young	$1,213	9.1%	1.30%	1.95%
85701	Tucson	$1,209	31.4%	3.11%	0.99%
85536	Fort Thomas	$1,209	12.9%	3.13%	3.13%
85938	Springerville	$1,207	51.9%	5.00%	0.24%
85617	Mc Neal	$1,206	135.8%	11.45%	1.81%
85282	Tempe	$1,205	98.6%	6.99%	1.26%
85210	Mesa	$1,204	96.7%	7.77%	2.12%
85215	Mesa	$1,204	59.3%	6.44%	1.85%
85295	Gilbert	$1,203	39.3%	4.54%	1.56%
85615	Hereford	$1,203	75.8%	7.89%	2.08%
86325	Cornville	$1,202	44.9%	4.09%	1.42%
86025	Holbrook	$1,202	50.6%	6.51%	1.11%
85354	Tonopah	$1,202	137.0%	14.29%	3.64%
86017	Munds Park	$1,200	21.8%	1.92%	3.43%
85281	Tempe	$1,197	85.4%	7.13%	1.04%
86046	Williams	$1,197	45.4%	3.38%	1.94%
85303	Glendale	$1,196	66.5%	6.90%	1.83%
85610	Elfrida	$1,191	47.7%	7.18%	2.21%
85033	Phoenix	$1,190	88.0%	10.41%	2.29%
85137	Kearny	$1,187	50.6%	7.30%	1.87%
85320	Aguila	$1,187	198.6%	6.25%	0.57%
85924	Concho	$1,187	89.4%	4.26%	1.85%
86445	Willow Beach	$1,185	21.6%	3.88%	3.88%
85543	Pima	$1,183	42.3%	4.01%	1.16%
85037	Phoenix	$1,183	54.7%	6.43%	2.20%
85248	Chandler	$1,183	82.8%	5.97%	0.81%
85912	White Mountain Lake	$1,181	221.6%	7.46%	1.49%
85192	Winkelman	$1,181	65.2%	3.80%	3.26%
85715	Tucson	$1,179	55.4%	4.55%	0.85%
85392	Avondale	$1,178	38.5%	5.06%	2.78%
85621	Nogales	$1,177	49.1%	6.72%	1.35%
85361	Wittmann	$1,177	35.5%	4.97%	1.93%
85551	Solomon	$1,175	18.5%	6.56%	N/A
85301	Glendale	$1,173	70.7%	7.64%	2.09%
86301	Prescott	$1,171	177.3%	14.21%	1.08%
85302	Glendale	$1,170	73.8%	6.01%	1.50%
85337	Gila Bend	$1,170	30.3%	4.23%	4.69%
85901	Show Low	$1,169	38.0%	3.34%	2.35%
86334	Paulden	$1,167	68.9%	8.80%	1.89%
85305	Glendale	$1,160	34.3%	3.56%	2.80%
85923	Clay Springs	$1,158	24.7%	1.32%	0.66%
85353	Tolleson	$1,155	37.5%	4.44%	2.16%
85755	Tucson	$1,155	45.1%	4.17%	0.78%
86038	Mormon Lake	$1,154	33.2%	1.47%	1.47%
85035	Phoenix	$1,151	72.5%	8.32%	2.68%
85745	Tucson	$1,150	36.9%	4.97%	1.26%
85040	Phoenix	$1,149	57.8%	6.87%	2.59%
86406	Lake Havasu City	$1,148	56.1%	4.60%	1.26%
85643	Willcox	$1,148	97.0%	6.92%	3.56%
85933	Overgaard	$1,146	36.0%	2.29%	2.12%
86431	Chloride	$1,145	30.2%	4.84%	8.06%
86322	Camp Verde	$1,145	50.3%	6.16%	1.77%
85546	Safford	$1,143	32.4%	7.23%	2.08%
85342	Morristown	$1,142	48.5%	5.92%	2.69%
85625	Pearce	$1,142	125.3%	10.33%	2.79%
85009	Phoenix	$1,137	58.0%	7.85%	1.84%
85716	Tucson	$1,137	28.2%	4.15%	0.87%
85204	Mesa	$1,136	109.7%	12.43%	2.51%
85143	San Tan Valley	$1,131	53.4%	5.14%	1.74%
86404	Lake Havasu City	$1,129	42.8%	4.21%	1.17%
85383	Peoria	$1,129	50.0%	4.66%	1.19%
86329	Humboldt	$1,127	139.6%	11.64%	1.72%
85225	Chandler	$1,126	71.1%	6.12%	1.64%
85748	Tucson	$1,126	52.1%	5.49%	1.19%
85173	Superior	$1,124	24.6%	3.67%	3.67%
85027	Phoenix	$1,123	72.9%	6.77%	1.26%
85552	Thatcher	$1,121	32.0%	3.58%	1.08%
86429	Bullhead City	$1,120	30.7%	3.40%	1.64%
85362	Yarnell	$1,120	10.2%	2.46%	2.11%
85704	Tucson	$1,119	62.2%	5.05%	1.04%
86315	Prescott Valley	$1,119	106.4%	10.10%	1.07%
85648	Rio Rico	$1,116	80.5%	10.22%	1.92%
85034	Phoenix	$1,115	19.4%	4.55%	1.52%
85118	Gold Canyon	$1,109	43.1%	4.40%	1.28%
85043	Phoenix	$1,109	47.9%	5.31%	5.62%
85334	Ehrenberg	$1,107	190.9%	13.91%	1.99%
85658	Marana	$1,107	42.0%	3.29%	1.94%
86337	Seligman	$1,105	15.8%	2.45%	2.45%
85650	Sierra Vista	$1,103	66.1%	7.67%	1.97%
86327	Dewey	$1,101	138.0%	14.43%	1.62%
86323	Chino Valley	$1,100	106.3%	11.82%	1.50%
85379	Surprise	$1,100	47.0%	4.49%	1.99%
85632	San Simon	$1,100	8.9%	1.02%	2.55%
85501	Globe	$1,099	32.2%	3.08%	3.20%
85382	Peoria	$1,094	36.7%	4.15%	1.39%
85743	Tucson	$1,091	43.9%	4.92%	1.66%
85641	Vail	$1,090	37.4%	4.13%	1.51%
86047	Winslow	$1,087	48.3%	4.15%	1.76%
85742	Tucson	$1,082	45.8%	5.93%	1.56%
85324	Black Canyon City	$1,080	151.7%	11.25%	3.80%
86438	Yucca	$1,079	96.4%	7.32%	0.81%
86335	Rimrock	$1,076	152.3%	14.36%	1.60%
85607	Douglas	$1,074	59.8%	7.67%	2.24%
85618	Mammoth	$1,074	99.6%	2.62%	2.62%
86320	Ash Fork	$1,072	65.3%	5.75%	2.56%
86333	Mayer	$1,069	47.9%	5.92%	3.51%
85388	Surprise	$1,068	43.1%	3.93%	2.28%
85395	Goodyear	$1,065	38.2%	4.05%	1.32%
85344	Parker	$1,065	55.9%	3.76%	2.33%
85719	Tucson	$1,064	39.6%	4.17%	1.03%
85212	Mesa	$1,063	38.2%	3.32%	1.82%
86015	Bellemont	$1,063	94.5%	2.51%	0.68%
85736	Tucson	$1,061	69.7%	5.01%	2.15%
85539	Miami	$1,059	15.7%	3.29%	1.21%
85345	Peoria	$1,059	60.3%	7.42%	1.49%
85323	Avondale	$1,057	57.6%	5.25%	3.14%
85739	Tucson	$1,052	47.9%	4.45%	1.29%
86403	Lake Havasu City	$1,052	64.5%	4.92%	1.14%
86440	Mohave Valley	$1,051	61.4%	6.29%	3.51%
86040	Page	$1,048	104.5%	3.17%	2.70%
85620	Naco	$1,046	27.2%	3.90%	3.90%
85746	Tucson	$1,043	65.7%	8.08%	2.30%
85603	Bisbee	$1,039	46.2%	2.67%	2.05%
85735	Tucson	$1,039	35.7%	5.87%	3.14%
85140	San Tan Valley	$1,033	55.0%	5.45%	1.47%
85635	Sierra Vista	$1,029	56.4%	6.23%	1.68%
85145	Red Rock	$1,026	362.7%	4.18%	3.46%
86324	Clarkdale	$1,026	56.9%	5.48%	1.27%
85714	Tucson	$1,026	68.5%	4.27%	2.11%
85711	Tucson	$1,023	50.0%	5.41%	0.95%
85363	Youngtown	$1,022	155.2%	7.56%	3.27%
85138	Maricopa	$1,019	50.9%	4.67%	3.51%
85616	Huachuca City	$1,017	93.5%	8.84%	2.92%
86022	Fredonia	$1,015	34.2%	2.39%	0.90%
85307	Glendale	$1,011	33.2%	4.38%	2.21%
85626	Pirtleville	$1,008	49.2%	5.81%	2.33%
85741	Tucson	$1,006	60.0%	4.70%	1.36%
86441	Dolan Springs	$1,004	250.9%	4.32%	2.31%
85638	Tombstone	$1,003	54.5%	7.14%	2.18%
85338	Goodyear	$1,002	54.9%	5.23%	2.72%
86326	Cottonwood	$998	188.1%	15.44%	1.17%
85747	Tucson	$996	59.0%	5.33%	1.76%
85206	Mesa	$993	133.2%	8.21%	1.50%
86515	Window Rock	$993	47.9%	8.62%	3.45%
85335	El Mirage	$988	35.7%	4.50%	2.66%
86401	Kingman	$987	35.7%	3.58%	1.90%
86314	Prescott Valley	$986	104.3%	10.79%	1.11%
85623	Oracle	$984	41.6%	2.37%	1.40%
85132	Florence	$984	62.5%	4.25%	4.35%
85194	Casa Grande	$983	55.1%	2.80%	1.41%
85710	Tucson	$979	59.9%	4.50%	1.13%
85326	Buckeye	$977	53.1%	5.27%	5.34%
86426	Fort Mohave	$976	80.2%	8.73%	2.57%
85205	Mesa	$975	114.3%	10.59%	1.81%
85712	Tucson	$975	39.2%	4.30%	0.89%
85128	Coolidge	$974	50.3%	4.23%	3.22%
86432	Littlefield	$973	46.1%	2.69%	1.35%
85706	Tucson	$970	58.3%	6.24%	3.72%
86413	Golden Valley	$968	62.1%	6.20%	2.97%
85629	Sahuarita	$961	29.8%	4.08%	1.80%
85352	Tacna	$955	83.6%	3.45%	1.72%
85602	Benson	$955	77.4%	4.12%	2.91%
86444	Meadview	$953	25.8%	3.95%	2.51%
85123	Arizona City	$952	60.6%	8.47%	2.19%
85553	Tonto Basin	$950	100.9%	3.92%	3.77%
85730	Tucson	$949	60.1%	5.57%	1.17%
85332	Congress	$945	59.0%	6.86%	2.19%
85122	Casa Grande	$944	65.1%	5.08%	3.70%
85627	Pomerene	$943	145.7%	3.23%	4.84%
86442	Bullhead City	$940	63.7%	5.94%	3.28%
85364	Yuma	$940	53.0%	3.39%	2.11%
85757	Tucson	$939	37.4%	4.58%	6.54%
85631	San Manuel	$938	28.7%	4.27%	1.07%
85131	Eloy	$935	45.2%	4.26%	1.80%
86045	Tuba City	$930	22.7%	3.66%	1.22%
85208	Mesa	$927	74.2%	7.25%	2.58%
85209	Mesa	$917	56.0%	6.55%	1.43%
86504	Fort Defiance	$909	43.4%	5.63%	1.41%
86436	Topock	$906	24.0%	2.25%	4.50%
85321	Ajo	$902	21.1%	3.09%	1.26%
85713	Tucson	$900	62.3%	4.92%	1.87%
85350	Somerton	$889	34.7%	2.15%	0.84%
85119	Apache Junction	$888	81.2%	6.29%	2.63%
85756	Tucson	$885	52.3%	4.91%	1.95%
85387	Surprise	$880	41.5%	1.99%	1.80%
85373	Sun City	$876	99.5%	7.64%	1.06%
85705	Tucson	$868	53.1%	4.54%	2.20%
86409	Kingman	$866	63.6%	4.75%	2.22%
85622	Green Valley	$862	466.2%	38.36%	0.64%
85374	Surprise	$851	41.8%	3.62%	1.01%
85349	San Luis	$838	55.8%	2.92%	0.78%
85653	Marana	$833	58.6%	4.09%	3.58%
85545	Roosevelt	$833	8.8%	1.43%	5.71%
85375	Sun City West	$830	56.4%	3.87%	0.58%
85365	Yuma	$829	38.2%	3.16%	4.15%
85396	Buckeye	$827	40.5%	3.32%	1.65%
85325	Bouse	$826	164.9%	11.35%	3.93%
85351	Sun City	$820	115.4%	7.13%	0.85%
85367	Yuma	$768	49.1%	4.01%	5.27%
85348	Salome	$768	55.0%	3.21%	3.38%
85614	Green Valley	$741	129.2%	9.73%	0.76%
85120	Apache Junction	$725	72.5%	7.19%	2.47%
85346	Quartzsite	$722	91.4%	5.51%	4.63%
85356	Wellton	$708	67.9%	4.06%	7.78%
85336	Gadsden	$698	26.6%	2.43%	0.54%
85141	Picacho	$565	227.4%	34.65%	N/A

Arizona Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Arizona compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Arizona

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Arizona ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

94.7

5th of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on Arizona FIO ZIPs

Most common top hazard

Heat Wave

7 of 15 counties

Highest FEMA NRI counties in Arizona
County	Risk score	Rating	Top hazard
Maricopa	99.9	Very High	Heat Wave
Pima	99.1	Relatively High	Heat Wave
Mohave	94.8	Relatively High	Wildfire

Counties with elevated FEMA hazard ratings in Arizona
Hazard	Elevated counties	Share of joined
Wildfire	11	73%
Flooding	7	47%
Winter weather	6	40%
Earthquake	1	7%
Hail	1	7%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Arizona: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,226/yr here).

Wisconsin $1,224/yr Michigan $1,233/yr Delaware $1,252/yr Oregon $1,199/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (1.99% here).

Louisiana 1.98% California 1.86% Virginia 1.67% Kansas 1.64%

Frequently Asked Questions

What is the average homeowners insurance cost in Arizona? ▼

Averaged across the 325 Arizona ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,226. This is 31% below the national average of $1,776.

How have insurance premiums changed in Arizona? ▼

Arizona homeowners insurance premiums changed by +10.7% between 2018 and 2022. The average loss ratio is 66.7%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Arizona? ▼

The most expensive ZIP code for homeowners insurance in Arizona is 85253, with an average premium of $5,028/yr. The most affordable is 85141 at $565/yr.

What is the nonrenewal rate for Arizona homeowners insurance? ▼

Averaged across the Arizona ZIP codes that report one, the nonrenewal rate is 1.99%. This rate has changed by +57.0% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 85706 has the highest nonrenewal rate in the state at 3.72%.

What is a loss ratio and what does Arizona's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Arizona's average loss ratio is 66.7%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Arizona? ▼

The average claim frequency in Arizona is 5.89%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $14,146. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Arizona? ▼

Across 15 FEMA National Risk Index counties that join to Arizona ZIP codes in the FIO file, the mean county risk score is 94.7 (37% above the 50-state mean of 69.3). The most common county-level top hazard is Heat Wave (7 of 15 counties). Elevated (Relatively High or Very High) county ratings concentrate in Wildfire (11), Flooding (7), Winter weather (6). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Arizona in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Arizona ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Arizona Homeowners Insurance

How Arizona Compares

Data Snapshot: Arizona Homeowners Insurance

Loss Ratio Reading: Arizona

Premium Trends (2018-2022)

Average premium in Arizona, 2018–2022

Most Expensive ZIP Codes in Arizona

Most Affordable ZIP Codes in Arizona

All ZIP Codes in Arizona

Arizona Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

Related