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If you live in the 86016 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Gray Mountain have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
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It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 86016 and then compare quotes from a variety of nationwide insurance companies.
86016 Average Homeowners Insurance Rates
If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 86016 the average premium for homeowners coverage is $769 which compares very well to the national average of $1,249.
Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 86016. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.
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We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.
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86016 Home Insurance Average Premiums
$519 /yr.
Shows Zip Code: 86016 lowest rates with discounts applied on average.
For the 86016, 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) | $519 /yr. |
| Average Coverage: | $769 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1069 /yr. |
What is the average home insurance cost for a home in 86016?
- • The average homeowners insurance premium paid annually for a home in 86016 is around $769 per year.
What does it cost on average per month for home insurance in 86016?
- • Homeowners in 86016 pay a monthly average cost per month around $64.00.
What kind of discount could I get if I combine my home and auto insurance together in 86016?
- • Autoowners in 86016 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.
You can easily shop and compare home insurance rates within Gray Mountain, check out other zip codes nearby 86016.
To review average rates in another zip code, click on a zip code below:
Home Replacement Cost Coverage in 86016
Average Building Cost Per Square Foot in 86016: $161
Location: Gray Mountain, Arizona (Coconino County)Average Square Footage in 86016: 1,025 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 86016 before you start any project. Gray Mountain 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 86016 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 86016 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,025 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 Gray Mountain 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $161 | 1,025 | $165,000 |
| Additional Upgrades & Added Features | $201 | 1,025 | $206,250 |
| Major Home Updates or Advancements | $242 | 1,025 | $247,500 |
It's important to understand that when you estimate your replacement cost of your home in the 86016 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 86016
Best Home & Auto Insurance Agencies in 86016
Housing Demographics for 86016
Population Review for 86016 Zip Code
For the city of Gray Mountain, the population within 86016 has increased to over 0 residents in population size. The current population total is 59. We have broken down the population based on race below. In 86016, there are over 40 in male population and 19 females.
| Population | Values |
|---|---|
| Total Population | 59 |
| White Population | 0 |
| Black Population | 0 |
| Hispanic Population | 2 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 58 |
| Other Population | 0 |
| Male Population | 40 |
| Female Population | 19 |
| Population Estimate | 0 |
Household Data for 86016
The average number of homes in 86016 is around 20, there are an average of 2.95 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 20 |
| Persons Per Household | 2.95 |
| Average House Value | $165,000 |
| Income Per Household | $0 |
| Median Age | 44.5 |
| Median Age Male | 31.5 |
| Median Age Female | 55.3 |
| 86016 Details | Values |
|---|---|
| State | AZ |
| State Full Name | Arizona |
| City Type | Z |
| City Alias Abbreviation | |
| Area Code | 928/520 |
| City | Gray Mountain |
| City Alias Name | GRAY MOUNTAIN |
| County | Coconino |
| County FIPS | 005 |
| State FIPS | 04 |
| Time Zone | 7 |
| Day Light Saving | N |
| MSA | 2620 |
| PMSA | |
| CSA | |
| CBSA | 22380 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Flagstaff, AZ |
| MSA_Name | Flagstaff, AZ-UT MSA |
| PMSA_Name | |
| Region | West |
| Division | Mountain |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 4 |
| Number Of Employees | 75 |
| Business First Quarter Payroll | 7145 |
| Business Annual Payroll | 22028 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 134421 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 7838.12 |
| Delivery Residential | 0 |
| Delivery Business | 0 |
| Delivery Total | 0 |
| Preferred Last Line Key | 009572 |
| Classification Code | P |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | 009572 |
| Land Area | 79.204000 |
| Water Area | 0.025000 |
| City Alias Code | |
| City Mixed Case | Gray Mountain |
| City Alias Mixed Case | Gray Mountain |
| Box Count | 0 |
| SFDU | 0 |
| MFDU | 0 |
| State ANSI | 04 |
| County ANSI | 005 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | N |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 031110 |
| Unique ZIP Name | |
| SSA State County Code | 03020 |
| Medicare CBSA Code | 22380 |
| Medicare CBSA Name | Flagstaff, AZ |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Coconino |
Arizona Homeowners Insurance News & Information
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Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025
According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners. According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]
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Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025
While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires. As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]
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New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025
Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding. A report recently released […]