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86001, AZ Home Insurance

In the zip code of 86001, the population size is around 37,093, which consists of 12,990 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Flagstaff, AZ. A few years ago, a study was done and found that the average home insurance rates for Arizona are around $576 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 86001 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Flagstaff. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Flagstaff, AZ Homeowners Insurance Online Rates Today!

86001 Home Insurance Average Premiums

Local 86001 homeowners insurance quotes comparison

$326 /yr.

Shows Zip Code: 86001 lowest rates with discounts applied on average.

For the 86001, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$326 /yr.
Average Coverage:$576 /yr.
2600 sq. ft. or higher
(all discounts applied)
$876 /yr.

What is the average home insurance cost for a home in 86001?

  • • The average homeowners insurance premium paid annually for a home in 86001 is around $576 per year.

What does it cost on average per month for home insurance in 86001?

  • • Homeowners in 86001 pay a monthly average cost per month around $48.00.

What kind of discount could I get if I combine my home and auto insurance together in 86001?

  • • Autoowners in 86001 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Flagstaff area, check out other zip codes nearby 86001.
Review average rates in another zip code:
86004 homeowners insurance rates
86001 homeowners insurance rates
86011 homeowners insurance rates

Home Replacement Cost Coverage in 86001

Average Building Cost Per Square Foot in 86001: $161

Location: Flagstaff, Arizona (Coconino County)

Average Square Footage in 86001: 2,561 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 86001 before you start any project. Flagstaff homeowners pay on average around $161 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 86001 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 86001 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,561 sq. ft. and the average cost to rebuild the home in this area is around $161 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Flagstaff area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1612,561$412,400
Additional Upgrades & Added Features$2012,561$515,500
Major Home Updates or Advancements$2422,561$618,600

It's important to understand that when you estimate your replacement cost of your home in the 86001 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 86001

Allstate Insurance-Roy A Gardner & Associates

Address: 1525 N Beaver St Flagstaff, AZ 86001
Phone: (928)774-8722
Website: agent.allstate.com/70856

Mc Cullough Insurance

Address: 420 N Humphreys St Flagstaff, AZ 86001
Phone: (928)774-3345
Website:

Allstate Insurance - Elizabeth K Soucie

Address: 1525 N. Beaver Ave. Flagstaff, AZ 86001
Phone: (928)774-5391
Website:

Best Home & Auto Insurance Agencies in 86001

DeMil B Stirling Ins Agcy Inc - State Farm Insurance Agent

Address: 2050 S Woodlands Village Blvd, #1 Flagstaff, AZ 86001
Phone:
Website: http://www.demilstirling.com
Info:

Switala- Stephen M

Address: 223 N Leroux St Flagstaff, AZ 86001
Phone:
Website: http://www.steveswitala.com
Info:

Mc Cullough Insurance

Address: 420 N Humphreys St Flagstaff, AZ 86001
Phone:
Website:
Info:

Farmers Insurance

Address: 323 N San Francisco St, #201 Flagstaff, AZ 86001
Phone:
Website: http://www.farmers.com
Info: Auto Insurance Quotes | Home, Life & Car Insurance | Farmers Insurance
Home, life and auto insurance quotes from Farmers Insurance Group. With discounts on car insurance and fast claim service its no wonder over 4000 customers a day switch to Farmers. Farmers Insurance group, auto insurance quotes, car insurance, auto insurance, automobile insurance, rate quote, business insurance, financial insurance, home insurance, mutual funds, life insurance, motorcycle insurance, farmers agent, renters insurance,

Allstate Insurance Companies

Address: 4 S San Francisco St Flagstaff, AZ 86001
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Housing Demographics for 86001

Population Review for 86001 Zip Code

For the city of Flagstaff, the population within 86001 has increased to over 35,152 residents in population size. The current population total is 37,093. We have broken down the population based on race below. In 86001, there are over 17822 in male population and 19271 females.

PopulationValues
Total Population37,093
White Population26151
Black Population936
Hispanic Population6399
Asian Population1171
Hawaiian Population121
Indian Population2925
Other Population2091
Male Population17822
Female Population19271
Population Estimate35152

Household Data for 86001

The average number of homes in 86001 is around 12,990, there are an average of 2.32 per household. The average house value according to local real estate values is around $412,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,990
Persons Per Household2.32
Average House Value$412,400
Income Per Household$56561
Median Age23.7
Median Age Male24.7
Median Age Female22.8
86001 DetailsValues
StateAZ
State Full NameArizona
City TypeP
City Alias Abbreviation
Area Code928/520
CityFlagstaff
City Alias NameFLAGSTAFF
CountyCoconino
County FIPS005
State FIPS04
Time Zone7
Day Light SavingN
MSA2620
PMSA
CSA
CBSA22380
CBSA_DIV
CBSA_TypeMetro
CBSA_NameFlagstaff, AZ
MSA_NameFlagstaff, AZ-UT MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1437
Number Of Employees19238
Business First Quarter Payroll209385
Business Annual Payroll939061
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population134421
CBSA Division Population0
Congressional District02
Congressional LandArea7838.12
Delivery Residential15152
Delivery Business1426
Delivery Total16286
Preferred Last Line KeyZ10520
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ10520
Land Area290.438000
Water Area0.011000
City Alias Code
City Mixed CaseFlagstaff
City Alias Mixed CaseFlagstaff
Box Count0
SFDU4891
MFDU8866
State ANSI04
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number032849
Unique ZIP Name
SSA State County Code03020
Medicare CBSA Code22380
Medicare CBSA NameFlagstaff, AZ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseCoconino

Arizona Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]