Home Insurance in Sedona, Arizona
With a median home value of $786,800, Sedona is 85% higher than the Yavapai County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sedona was built around 1987. About 6% of homes were built before 1960, in line with Yavapai County (5%).
The housing stock in Sedona is 77% single-family homes, 9% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Sedona carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Sedona are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sedona - 63% - are primarily heated with natural gas.
Yavapai County had 1,540 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). 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 | $786,800 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)