Home Insurance in Cochise County, Arizona
The median home value in Cochise County is $218,300, 45% lower than the Arizona median.
The typical home in Cochise County was built around 1987. About 15% of homes were built before 1960, about 7 points above Arizona's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Cochise County is 68% single-family homes, 9% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Cochise County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Cochise County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cochise County, 50% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Cochise County's top hazards are wildfire (Relatively High), inland flooding (Relatively High) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Cochise County has 789 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Arizona carries a statewide average premium of $1,194 per year.
Key figures
| Median home value | $218,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Inland Flooding (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 789 |
| Home insurance premium | $1,194 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)