ZIP 86511 Insurance Data

Data Snapshot: ZIP 86511 (Saint Michaels, AZ)

ZIP 86511 (Saint Michaels, AZ) shows an average homeowners insurance premium of $1,304 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 3 reported policies. That is 27% below the national average of $1,776 per year, placing this ZIP in the 32th percentile nationally. Compared to the Arizona state average of $1,226, this ZIP runs 6% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.56% in this ZIP, a rise of 184.6% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 86511 have risen by 2.4%, ranging from $1,242 to $1,304 with a five-year average of $1,271 — an annualized rate of +0.6% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.