Home Insurance in Duncan, Arizona
The median home value in Duncan is $139,000, 12% lower than the Greenlee County median.
The typical home in Duncan was built around 1975. About 35% of homes were built before 1960, about 16 points above Greenlee County's 19%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Duncan, the housing stock is 55% single-family homes, 8% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 40% of owner-occupied homes in Duncan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 51% of occupied homes in Duncan are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 72% of homes in Duncan are primarily heated with electricity.
What's the biggest home insurance risk near Duncan? FEMA's National Risk Index points to wildfire (Relatively Low) in Greenlee County and Greenlee County had 17 active NFIP flood policies as of September 2026. See the full Greenlee 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 | $139,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Greenlee County | 17 |
| 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)