Home Insurance in Douglas, Arizona
The median home value in Douglas is $157,700, 28% lower than the Cochise County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Douglas was built around 1969. About 39% of homes were built before 1960, about 24 points above Cochise County's 15%.
In Douglas, the housing stock is 81% single-family homes, 9% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Douglas, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Douglas are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
63% of homes in Douglas are primarily heated with natural gas.
What's the biggest home insurance risk near Douglas? FEMA's National Risk Index points to wildfire (Relatively High) in Cochise County and 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.
In Arizona, the statewide average premium for a standard HO-3 homeowners policy is $1,194 per year (NAIC, 2023 data).
Key figures
| Median home value | $157,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)