Is there a rule to know when to use native of vs. native to or is it question specific?

is native of only used for people? Thats what I have heard can someone confirm or deny.

'native of' is used only for people, yes.

the situation is a little more complicated for 'native to', which could potentially refer either to people or to other species. this expression is meant to refer to whomever or whatever is indigenous to a particular area.
if my friend jake was born and raised in arizona, then jake is a native of arizona.
if my friend jake is navajo, then he's a member of an indian tribe native to arizona.