Home Insurance in Sierra Vista, Arizona
With a median home value of $254,200, Sierra Vista is 16% higher than the Cochise County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sierra Vista was built around 1990. About 5% of homes were built before 1960, about 10 points below Cochise County's 15%.
The housing stock in Sierra Vista is 71% single-family homes, 19% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sierra Vista, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Sierra Vista are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Sierra Vista, 64% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Sierra Vista? 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.
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 | $254,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)