Home Insurance in Coconino County, Arizona
Homes in Coconino County carry a median value of $448,000 - 14% higher than the Arizona median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Coconino County was built around 1991. About 7% of homes were built before 1960, in line with Arizona (8%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coconino County is 64% single-family homes, 16% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
In Coconino County, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Coconino County are owner-occupied.
In Coconino County, 48% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Relatively High), winter weather (Very High) and inland flooding (Relatively High) as the leading hazards for Coconino County.
As of September 2026, Coconino County has 986 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $448,000 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Winter Weather (Very High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 986 |
| 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)