"Arizona homeowners continue to see relatively affordable homeowners insurance compared with much of the country. While premiums have climbed in high-risk coastal states, data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report show that Arizona remains on the lower end of the spectrum."
"Arizona's Insurance Costs Stay Affordable According to newly released American Community Survey (ACS) data from the U.S. Census Bureau, Arizona homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowner's insurance, while those without a mortgage average $800-$999; overall costs fall in the $1,000-$1,499 range. Arizona has 2,020,822 insured homeowner households in total-1,224,573 with a mortgage and 796,2"
Arizona homeowners pay among the lower homeowners insurance premiums nationally despite rising costs in high-risk coastal states. Local markets such as Prescott, AZ attract luxury buyers seeking greater value while insurance remains comparatively affordable. Newly released American Community Survey data indicate homeowners with a mortgage typically pay $1,000–$1,499 annually and those without a mortgage average $800–$999, placing overall costs in the $1,000–$1,499 range. Insurance rates are starting to climb, and climate risk is identified as a significant factor driving those increases. Arizona has about 2,020,822 insured homeowner households.
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