InsureWatch

86046

Elevated56

Valle, Arizona — Coconino County

Pop. 6,131Median Income $63,734Median Home $302,200
0/ 100Elevated Risk

2025 Estimated Premium

$1,349/yr

+12.7% from 2022 actual ($1,197)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$1,197

+4.5%

2018–2025

Nonrenewal Rate

1.94%

2018–2022

Claim Frequency

3.4%

Avg Claim Amount

$16,080

Score Breakdown

Premium Level (25%)23
Premium Trend (20%)72
Nonrenewal Risk (20%)86
Storm Exposure (15%)77
Affordability (10%)37
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201835 events
Property damage$100,000
2 tornado9 hail20 flood
19
201914 events
Property damage$0
1 tornado2 hail8 flood
20
20204 events
Property damage$0
1 hail
21
202154 events4 fatalities
Property damage$350,000
2 tornado7 hail36 flood
22
202257 events
Property damage$3,900,000
2 tornado1 hail52 flood
23
202325 events
Property damage$8,200,000
1 tornado1 hail19 flood
24
202418 events1 fatalities
Property damage$1,000,000
2 tornado3 hail7 flood
25
202523 events
Property damage$0
4 hail17 flood

Nearby ZIP Codes

86018Parks, AZ
64High

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.