Home Insurance in Bullhead City, Arizona
With a median home value of $211,500, Bullhead City is 25% lower than the Mohave 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 Bullhead City was built around 1991. About 1% of homes were built before 1960, in line with Mohave County (2%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bullhead City is 54% single-family homes, 10% apartments in buildings with 5+ units and 29% mobile or manufactured homes.
47% of owner-occupied homes in Bullhead City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Bullhead City are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bullhead City, 56% of homes are primarily heated with electricity.
FEMA rates Mohave County's overall risk as Relatively High, led by wildfire (Relatively High). Mohave County had 754 active NFIP flood policies as of September 2026. See the full Mohave County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Arizona is $1,194 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $211,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Mohave County | 754 |
| 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)