Home Insurance in Greenlee County, Arizona
Homes in Greenlee County carry a median value of $158,600 - 60% lower than the Arizona median.
The typical home in Greenlee County was built around 1980. About 19% of homes were built before 1960, about 11 points above Arizona's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Greenlee County, the housing stock is 75% single-family homes, 5% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
36% of owner-occupied homes in Greenlee County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 53% of occupied homes in Greenlee County are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Greenlee County, 61% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Greenlee County, per FEMA's National Risk Index, are wildfire (Relatively Low), inland flooding (Very Low) and winter weather (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Greenlee County has 17 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 | $158,600 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Inland Flooding (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 17 |
| 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)