Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Arizona
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Arizona ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Pinal County | $875 | Relatively Moderate | $312,100 |
| 2 | Yavapai County | $990 | Relatively Moderate | $392,900 |
| 3 | Navajo County | $1,021 | Relatively Moderate | $186,100 |
| 4 | Apache County | $1,028 | Relatively Low | $68,500 |
| 5 | Mohave County | $1,083 | Relatively High | $253,200 |
| 6 | Yuma County | $1,189 | Relatively Moderate | $195,700 |
| 7 | Pima County | $1,233 | Relatively High | $286,900 |
| 8 | Maricopa County | $1,294 | Very High | $414,700 |
| 9 | Graham County | $1,458 | Relatively Low | $202,700 |
| 10 | Greenlee County | $1,553 | Very Low | $136,300 |
| 11 | Cochise County | $1,799 | Relatively Moderate | $207,400 |
| 12 | Gila County | $2,375 | Relatively Moderate | $247,000 |
| 13 | Coconino County | $2,441 | Relatively Moderate | $413,200 |
| 14 | Santa Cruz County | $2,525 | Relatively Moderate | $216,100 |
| 15 | La Paz County | $3,095 | Relatively Moderate | $117,600 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Arizona