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Home insurance & natural hazards in Maricopa County, AZ

Calm, plain facts for homeowners in Maricopa County: what neighbors have paid for coverage, what flood insurance costs, and which weather hazards matter most here.

  • Typical premiums from U.S. Treasury insurance data
  • Flood insurance costs from 8,061 FEMA NFIP policies
  • 13 natural hazards rated by the FEMA National Risk Index
See the numbers

Historical averages, not a quote. Updated Oct 2026.

Illustration of a house on a hill in front of a large shield

Maricopa at a glance

Four numbers most homeowners ask about first.

$1,249
Typical home premium

Per policy per year in 2022, median of 130 ZIP codes (inflation-adjusted).

$921
Avg. flood policy

Average full cost of a single-family NFIP policy that took effect in 2025.

1.56%
Nonrenewal rate

Share of policies insurers chose not to renew in 2022, median ZIP. Typical U.S. ZIP: 0.81%.

Very high
FEMA risk rating

Overall National Risk Index rating, higher than 99.9% of U.S. counties.

Maricopa County in numbers
4.42M
residents (2020 Census)
6.2%
of policies had a paid claim (2022, median ZIP)
$12,094
average paid claim (2022, median ZIP)
8,061
single-family NFIP flood policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

Typical premiums in Maricopa County were $1,249 per policy in 2022, 6% above the typical Arizona ZIP code ($1,172) and 20% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, local premiums rose 12% between 2018 and 2022.

Premiums by ZIP

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
MaricopaArizonaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. The average single-family NFIP policy that took effect here in 2025 cost $921, compared with $731 in 2022. About 67% of local policies are for homes in high-risk A or V zones and 33% in moderate- to lower-risk zones.

Flood costs by ZIP

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

8,061 policies
A zones 67%X/B/C zones 33%V zones 0%Other/unrated 0%

Natural hazards

FEMA National Risk Index, December 2025

Bars show how Maricopa compares with every U.S. county for each hazard (100 = highest). Heat wave, inland flooding and wildfire rank highest here. A high rank doesn't mean an event is likely in any given year. It shows where preparation and the right coverage matter most.

How the ratings work

Hazard risk, national percentile

Higher than X% of U.S. counties

Compare nearby

Neighboring counties

Typical premium 2022 (Treasury FIO), nonrenewal 2022, avg. flood policy 2025 (NFIP)
CountyPremiumNonrenewalFlood
Maricopa County$1,2491.56%$921
Yavapai County$1,1341.55%$1,443
Gila County$1,0992.04%$1,690
Pima County$1,0521.26%$1,179
Pinal County$1,0302.06%$991
Yuma County$8331.92%$975
La Paz County$8263.38%$1,567

Flood insurance by ZIP, 2025

FEMA NFIP, single-family homes, ZIPs with the most policies
ZIPPoliciesAvg. cost
85255 Scottsdale2,702$848
85331 Cave Creek443$828
85262 Scottsdale424$1,083
85054 Phoenix213$892
85086 Phoenix205$889
85018 Phoenix203$806
85266 Scottsdale145$957
85253 Paradise Valley142$1,038

ZIP code pages in Maricopa County

85006 Phoenix85007 Phoenix85008 Phoenix85009 Phoenix85013 Phoenix85014 Phoenix85015 Phoenix85016 Phoenix85017 Phoenix85018 Phoenix85019 Phoenix85020 Phoenix85021 Phoenix85022 Phoenix85023 Phoenix85024 Phoenix85027 Phoenix85028 Phoenix85029 Phoenix85031 Phoenix85032 Phoenix85033 Phoenix85035 Phoenix85037 Phoenix85040 Phoenix85041 Phoenix85042 Phoenix85043 Phoenix85044 Phoenix85045 Phoenix85048 Phoenix85050 Phoenix85051 Phoenix85053 Phoenix85054 Phoenix85083 Phoenix85085 Phoenix85086 Phoenix85087 New River85201 Mesa85202 Mesa85203 Mesa85204 Mesa85205 Mesa85206 Mesa85207 Mesa85208 Mesa85209 Mesa85210 Mesa85212 Mesa85213 Mesa85215 Mesa85224 Chandler85225 Chandler85226 Chandler85233 Gilbert85234 Gilbert85248 Chandler85249 Chandler85250 Scottsdale85251 Scottsdale85253 Paradise Valley85254 Scottsdale85255 Scottsdale85257 Scottsdale85258 Scottsdale85259 Scottsdale85260 Scottsdale85262 Scottsdale85263 Rio Verde85266 Scottsdale85268 Fountain Hills85281 Tempe85282 Tempe85283 Tempe85284 Tempe85286 Chandler85295 Gilbert85296 Gilbert85297 Gilbert85298 Gilbert85301 Glendale85302 Glendale85303 Glendale85304 Glendale85305 Glendale85306 Glendale85307 Glendale85308 Glendale85310 Glendale85323 Avondale85326 Buckeye85331 Cave Creek85335 El Mirage85338 Goodyear85339 Laveen85340 Litchfield Park85345 Peoria85351 Sun City85353 Tolleson85354 Tonopah85355 Waddell85361 Wittmann85363 Youngtown85373 Sun City85374 Surprise85375 Sun City West85377 Carefree85378 Surprise85379 Surprise85381 Peoria85382 Peoria85383 Peoria85387 Surprise85388 Surprise85390 Wickenburg85392 Avondale85395 Goodyear85396 Buckeye

Practical next steps

Simple things Maricopa homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.