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Protect Your Manufactured Home In Snowflake, AZ.

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The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can't guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.

A Guide to Mobile Home Insurance in Snowflake, AZ: Costs, Coverage, and Considerations

Welcome to Snowflake, Arizona - a charming town located in Navajo County amidst the stunning White Mountains. Snowflake is a peaceful and friendly community known for its rich history, vibrant culture, and unique attractions.

Snowflake is a town steeped in history and culture, with a vibrant arts and crafts community. The town was founded in 1878 by Mormon pioneers, and their influence is still felt in the town's architecture, traditions, and way of life. Snowflake's Main Street Historic District offers a glimpse into the town's pioneer era and is listed on the National Register of Historic Places. The town's Old Pioneer Cemetery is also a must-visit for history buffs, offering an insight into the lives of early settlers.

The town’s cultural uniqueness is exemplified through its annual Pioneer Days celebrations. The event features a parade, carnival, rodeo, and live music, showcasing the town's unique blend of Western and Mormon pioneer culture. The town's love of music is also reflected in the Silver Creek Performing Arts Association, which hosts year-round concerts and performances featuring local and national talent.

Snowflake is a popular destination for outdoor enthusiasts, with several nearby parks, lakes, and forests. The town's proximity to the White Mountains provides opportunities for skiing, snowboarding, and other winter activities. Show Low Lake is a local favorite for fishing, boating, and swimming, while Fool Hollow Lake Recreation Area offers hiking trails, picnic areas, and a beach for visitors to enjoy.

In addition to its natural and cultural attractions, Snowflake is known for its quirky and unique features. For example, the town is home to the world's largest snowflake, a 25-foot tall steel statue located in the town's Heritage Park. The town also features an apothecary museum, showcasing the tools and equipment used by early pharmacists. A fun fact is that the new elementary school is built with a shooting range for law enforcement officers, and the high school's mascot is the "snowflake"!

Snowflake is a welcoming and close-knit community that values its residents and visitors. With excellent schools, safe streets, and a strong sense of community involvement, Snowflake is an excellent place to raise a family or establish a business. The town also features a diverse range of restaurants, shops, and services, providing everything residents need for comfortable living. Welcome to Snowflake, Arizona, where history meets natural beauty and quirky charm. Whether you're seeking cultural experiences, outdoor adventures, or a tight-knit community, Snowflake has everything you need. Come and explore the wonders of Snowflake, and stay for the unique fun that you can't find anywhere else.

Understanding Mobile Home Insurance In Arizona

Arizona manufactured home insurance typically costs anywhere from $300 to $1,000 per year. Insurance rates are influenced by a combination of factors related to the risk of insuring the property. While specific factors may vary slightly among insurance providers, here's a general list of factors that may be used to determine mobile and manufactured home insurance rates in Arizona:

The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.

  •  Newer homes may be less prone to certain types of damage, and well-maintained homes can qualify for better rates.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
Features like storm shutters, tie-downs, and anchored foundations can reduce the risk of damage and may reduce premiums. On the other hand, amenities like pools or trampolines can increase them.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • he more coverage you want, the higher your premium will be. This includes dwelling coverage, personal property coverage, and liability coverage amounts.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.
  • If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.
  • If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.

The materials and quality of construction can influence how resistant a home is to certain types of damage.

Some insurers use an insurance score, which is similar to a credit score but specifically geared towards predicting insurance losses.

Choosing the Right Mobile Home Insurance for Snowflake, AZ

While AZ has a lot of laws and regulations that safeguard the interests of mobile home tenants and owners all around the state, it is important to keep tuned into the local laws and regulations in your area! For Snowflake, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Snowflake, AZ

Here are the three main weather risks that Snowflake, Arizona faces, complete with descriptions and their implications for RV and manufactured home owners:


Snowflake experiences significant temperature swings, with hot summers that can reach up to 90°F and cold winters with lows of around 20°F.

Implications for RV/Manufactured Home Owners:

These drastic temperature changes can be damaging to RVs and manufactured homes, affecting everything from the vehicle/housing unit’s paint to its internal systems. In the summer, UV-protective covers are advised to guard against paint damage and fading. In the winter, thermal covers and antifreeze are essential to protect the internal systems from freezing. Indoor storage can provide all-year-round protection from extreme temperatures.


According to the data, 14% of properties in Snowflake face a significant risk of being severely affected by flooding over the next 30 years.

Implications for RV/Manufactured Home Owners:

For RV and manufactured home owners, this means considering storage options that are not in flood-prone areas. Elevating the vehicle or choosing storage facilities that are elevated can reduce the risk of water damage. Additionally, flood insurance could be a wise investment.


Approximately 90% of all properties in Snowflake have some level of wildfire risk over the next 30 years. Though the overall risk level is considered moderate, the high percentage of properties at risk cannot be ignored.

Implications for RV/Manufactured Home Owners:

Given the wildfire risk, it’s crucial for RV and manufactured home owners to have an evacuation plan in place. Parking your vehicle/home in a fire-resistant zone or facility is advised. Additionally, keep emergency supplies in the RV and ensure that all fire safety equipment like extinguishers and smoke detectors are in good working condition.

Recommended Attractions in Snowflake, AZ

Snowflake, Arizona, offers a unique blend of history, nature, and entertainment. From its historic homes to its outdoor parks, there's something for everyone in this charming town. Here's a curated list of some of the best things to do in Snowflake, AZ:

Snowflake is near the White Mountains, offering various hiking trails for nature enthusiasts. The trails range from beginner to expert levels.

Even if you’re not of the Mormon faith, the Snowflake Temple offers striking architecture and stunning views of the town below. The interior features stained glass, artwork, and Native American crafts.

Located near Main Street, this museum offers a peek into the pioneer and Native American history of the region. The museum is operated by the Snowflake-Taylor Chamber of Commerce.

Enjoy a game of golf surrounded by breathtaking pine and cottonwood-forested mountains. The course offers leagues, tournaments, and lessons, catering to golfers of all levels.

Visit during the fall for pumpkin picking and various seasonal activities. With everything from pumpkin launchers to haunted corn mazes, it’s a family favorite.

This free museum in nearby Show Low offers fascinating insights into the local history and culture, with exhibits from the pioneer era and beyond.

This local park is a perfect spot for a relaxed afternoon, offering playgrounds for kids and open spaces for picnics and sunset viewing.

Located in nearby Taylor, this airsoft battlefield offers a thrilling experience for families. Gear, guns, and ammo rentals are available on-site.

Situated within the Apache-Sitgreaves National Forest, this park offers camping, fishing, and hiking opportunities. It’s located just 30 minutes south of Snowflake.

Though not in service, this historic train station offers a glimpse into Snowflake’s past. It’s a popular spot for photography enthusiasts.

Property Crime Rates in Snowflake, AZ

Specific Crime Rates (per 100,000):

Policing Statistics:

Comparison to Arizona and National Averages (per 100,000 people):


Snowflake-Taylor has an overall crime rate that is moderately safer than the national average but still about average for communities of its size. It shows a decrease in crime over the past two years, which could be indicative of effective law enforcement or community initiatives.

However, the assault rate is notably higher than the national average, warranting attention. Furthermore, the policing statistics indicate a low clearance rate for crimes, which may suggest that a higher number of crimes go unresolved compared to the national average.

While Snowflake-Taylor does have certain strengths in terms of safety, there are areas, especially in violent crime and police effectiveness, that could benefit from targeted interventions and community involvement. It would be useful for community leaders, law enforcement, and residents to collaborate on strategies for improvement.

Additional Structures:

If you have any additional structures on your property, such as sheds or detached garages make sure that your insurance policy covers these structures as well. Confirm that the coverage limits for these structures are adequate.

Claim Process and Customer Service:

Research the reputation of the insurance providers you're considering. Look for reviews or seek recommendations from friends or family who have experience with insurers in your area. Pay attention to the customer service reputation and the efficiency of the claims process.

Inflation Protection:

Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.

Policy Expiration and Renewal:

Be clear on when your policy expires and the renewal process. Some insurers may not automatically renew policies, requiring action on your part.

Location Considerations:

Pay attention to the location of your manufactured home. Factors like proximity to flood zones, bodies of water, or areas prone to natural disasters may necessitate additional coverage like flood insurance or coverage for specific perils common to the area.

Deductibles and Premiums:

Consider the deductibles and premiums associated with different insurance policies. Find a balance between a deductible that you can comfortably afford to pay out of pocket in case of a claim and an affordable premium that fits within your budget.

Keep This In Mind:

While cost should not be the only factor to consider, it is important to evaluate the affordability of the insurance policies you are considering. Obtain quotes from multiple providers and compare them, ensuring you understand the coverage details associated with each quote. Additionally, inquire about any available discounts, such as bundling home and auto insurance or installing security features in your manufactured home, as these can help reduce your premium costs.

Did You Know?

Arizona law requires mobile home parks to post a copy of the homeowner's insurance requirements under the Arizona Mobile Home Parks Residential Landlord and Tenant Act on the premises.

Arizona Mobile Home Facts

Mobile homes account for roughly 15 percent of Arizona’s total housing units - which equals out to around 305,000 mobile home units in The Great Grand Canyon State!

Within most regulated areas of Arizona, a multi-sectional manufactured home can be placed in any location in which a site-built home is permitted.

A single wide mobile home can also be placed in any location in which a site-built home is permitted, in a mobile home subdivision, or in a mobile home park – all that you need is a development permit handy!

The MVD is responsible for issuing certificates of title to mobile homes.

  • The Arizona Motor Vehicle Division (MVD) is responsible for issuing certificates of title for mobile homes.
  • A $7 title fee is required for each section of the mobile home.
  • Mobile homes that are affixed to real property do not receive titles from MVD.

To apply for a mobile home title, you need to contact MVD and upload the necessary documents in your AZ MVD Now account.

When completing an affidavit of affixture, you will surrender the title(s) of the mobile home to MVD.

MVD will then issue a receipt for the surrender of the title(s).

If you are buying a used mobile home from a company, business, or mobile home park, make sure to receive a business card or other proof that the person who signed the back of the title as the seller is affiliated with that entity.

Please note, these are general guidelines, and it is advisable to consult the Arizona Motor Vehicle Division or visit their website for specific instructions and requirements when applying for a mobile home title.

Learn about the MHD

The Manufactured Housing Division (MHD) of Arizona’s Department of Housing maintains safety standards for these homes that are consistent with the standards put out by the US Department of Housing and Urban Development (HUD). In addition to regulation from HUD and MHD, every mobile home park has its own set of rules. Most require that you obtain a valid mobile home insurance policy, so check with park management for details.

Mobile Home Relocation Fund

The Mobile Home Relocation Fund is a state sponsored aid package that is administered by the Arizona Department of Fire, Building and Life Safety (see If you are a mobile home park tenant, you may have access to money from the Mobile

Home Relocation Fund in the case of:​

Coastal Property:
Insurance Pool

Unlike certain coastal states, Arizona doesn’t have a coastal property insurance pool. Therefore, mobile home owners in Arizona need to look for insurance through private providers.

Know Your Rights

Even though it's not a legal requirement in Arizona, mobile home insurance is often a wise investment to safeguard your property. Read through the following guides to help familiarize yourself with rules and regulations in Arizona:

Add-Ons, Endorsements, and Riders in Arizona

Adding policy options to a basic insurance plan is a common practice in the mobile home insurance industry. While the events covered in mobile home policies are similar across all states, additional coverage options, known as add-ons, endorsements, and riders, may vary depending on your location and insurance provider. Each of these options comes at an additional cost that can be customized according to your needs.

  • Sewer and Water Backup
  • Equipment Breakdown
  • Inflation Guard/Guaranteed Replacement Cost
  • Personal Property Replacement Cost
  • Home Business
  • Watercraft
  • Identity Theft
  • Personal Injury
  • Secondary Residence
  • Limited-Term Endorsements
  • Floaters/Riders for high-value items

It is crucial to review your policy and consult with your insurance company to identify what is covered, as well as what is not, before deciding which add-ons, endorsements, or riders to add to your policy.

Exclusions eliminate coverage for certain risks that are considered unwanted or already covered by other policies. Some examples of exclusions include: 


  • Catastrophic Events: war is a common exclusion, as it will likely affect a huge number of people, damage caused by war would not be covered.
  • Existing Coverage: if a cause of loss is covered by another type of policy, the insurance company will avoid double coverage.
  • Actions Within Control: if the damage could be easily prevented by an insured, that may be excluded. A common example would be excluding damage to personal property left out in the open caused by rain, snow, ice, or sleet.
  • Non-accidental Incidents: Most policies will not cover damage caused on purpose.
  • Regular Wear and Tear: if proper maintenance or replacement would have prevented the damage, normal wear and tear are not covered.
  • In Motion: Generally, coverage under an insurance policy doesn’t apply while a mobile home is in motion. Some insurers may offer temporary coverage for physical damage that occurs while a mobile home is moving. If you want this kind of coverage, it’s best to speak with an insurance provider.
  • Earthquakes:

Earthquakes are a significant exclusion in mobile home policies in Arizona due to the area’s higher susceptibility to earthquakes. It is    important for mobile homeowners to understand the coverage limitations in case of earthquake damage.


  • BSL-Preemption Law in Arizona:

Arizona has passed a law that forbids cities and counties from enacting or enforcing breed-based dog regulations. This new law aligns with the trend of 20 other states having “BSL-preemption” laws that restrict Breed-Specific Legislation (BSL) at the local level.

Finding A Manufactured Home or Community in Snowflake, AZ

If you're in the market for a mobile or manufactured home in Snowflake, it's important to have access to reliable and trustworthy information. Snowflake, Arizona, offers a diverse range of housing options that cater to different age groups, lifestyles, and preferences. From all-age manufactured home communities to modern apartments and active senior living options, Snowflake has something for everyone.

Flake Mobile Home Park

Flake Mobile Home Park is an all-ages community located at 202 North Third Street West, Snowflake, AZ 85937. Here are some details about this community:

Community Features: Flake Mobile Home Park features sidewalks, and the street width is average.

Age Restrictions: No age restrictions, which means it's open to residents of all ages.

Number of Sites: TThere are 16 sites in this community.

Homes with Peaked Roofs: 75%

Homes with Lap Siding: 55%

Distance to Water: Approximately 6.6 miles.

Clayton Homes

Clayton Homes is a well-known name in the manufactured and modular home industry. They offer a wide range of manufactured, modular, and mobile homes to suit various budgets and lifestyles. Here are some key points about Clayton Homes:

Home Variety : Clayton Homes provides a variety of home models and floor plans, ranging from single-wide homes to luxurious triple-wide models.

Energy Efficiency: Clayton Homes places a strong emphasis on energy efficiency in their homes. They offer EnergySmart Zero™ homes designed to save homeowners money on energy costs over the life of their homes.

Built to Last: The company takes pride in constructing homes built to last. Quality products from trusted brands are used in the building process, ensuring that homes are durable and can withstand the test of time with proper maintenance.

Exceptional Service: Clayton Homes is committed to providing exceptional service to its customers. Their experienced team helps guide customers through the process of finding the right home and assists with any questions or concerns.

Gulf Stream RV Source

Gulf Stream RV Source is a platform dedicated to connecting buyers with both new and used Gulf Stream Coach RVs. Gulf Stream Coach is a manufacturer known for producing a variety of recreational vehicles, including travel trailers, motorhomes, and more. Here are some points about Gulf Stream RV Source:

RV Listings : Gulf Stream RV Source serves as a hub where individuals and dealers can list Gulf Stream Coach RVs for sale. It provides a comprehensive inventory of Gulf Stream RVs, making it easier for potential buyers to find the perfect RV.

Filtering and Research: The platform allows users to filter listings based on various criteria, such as model, condition, price, and location. This makes it convenient for RV enthusiasts to research and find the RV that suits their preferences.

Nationwide Coverage: Gulf Stream RV Source features listings from various states across the United States. This nationwide coverage ensures that buyers have a wide selection of Gulf Stream RVs to choose from.

Additional Resources: In addition to listings, the platform may offer additional resources such as RV specifications, information about Gulf Stream Coach, and tips for buying and selling RVs.

Snowflake's diverse housing landscape offers opportunities for individuals of all ages to find a place that feels like home. With a range of modern amenities, strategic locations, and community vibes, there's a place for everyone, whether you're a young professional, a growing family, or a retiree seeking peace and relaxation.

Finding the Best Mobile Home Insurance In Snowflake

It's essential to compare quotes from various insurance providers and work with local agencies that understand Snowflake's specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or dust storm damages. Always remember to ask about any available discounts that you may be eligible for!

Reasoning: Snowfall is common in the area. This endorsement offers coverage for strengthening your mobile home’s roof to withstand heavy snow loads and prevent damage.

Reasoning: During the winter months, many RVers store their vehicles. This coverage provides protection for the winterization process and storage-related damages.

Reasoning: Ice dams can form on roofs during winter. This endorsement provides coverage for the installation of ice dam prevention measures to protect your mobile home.

Reasoning: Snowflake may have community ice rinks. If you or your community maintains an ice rink, this coverage offers liability protection for accidents or injuries that might occur at the rink.

Reasoning: Snowflake offers winter adventure opportunities. This coverage addresses damages or theft of winter adventure gear like snowmobiles, skis, or snowboards stored in your RV.

Reasoning: If you park your RV in campgrounds during winter, this coverage offers liability protection for accidents or injuries that might occur in snowy or icy conditions.

  • Additional Living Expenses
  • Trees, Shrubs, Plants and Lawns
  • Debris Removal
  • Emergency Removal Service and Emergency Repair After a Loss
  • Credit Card and Check Forgery
  • Fire Department Service
  • Food Spoilage Coverage
  • Personal Injury Protection Coverage
  • Locksmith Coverage
  • Golf Cart Coverage

Now that you've got the lowdown on mobile home insurance coverage in Snowflake AZ, don't hesitate to get a CoverTree quote now.

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