Home Insurance in Cottonwood, Arizona
The median home value in Cottonwood is $324,100, 24% lower than the Yavapai County median.
The typical home in Cottonwood was built around 1991. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 4% of homes were built before 1960, about 2 points below Yavapai County's 5%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cottonwood is 47% single-family homes, 21% apartments in buildings with 5+ units and 16% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
47% of owner-occupied homes in Cottonwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Cottonwood are owner-occupied.
Most homes in Cottonwood - 50% - are primarily heated with natural gas.
Yavapai County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. Yavapai County had 1,540 active NFIP flood policies as of September 2026. See the full Yavapai County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $324,100 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Yavapai County | 1,540 |
| 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)