Home Insurance in Bisbee, Arizona
With a median home value of $216,700, Bisbee is close to the Cochise County median.
The median home in Bisbee was built in 1939 or earlier. About 82% of homes were built before 1960, about 67 points above Cochise County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Bisbee is 85% single-family homes, 2% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Bisbee have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bisbee has an owner-occupancy rate of 71% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
72% of homes in Bisbee are primarily heated with natural gas.
Cochise County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. Cochise County had 789 active NFIP flood policies as of September 2026. See the full Cochise County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $216,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Cochise County | 789 |
| Home insurance premium | $1,194 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)