Continued...
April 2018
To the local who said one's insurance went from $400 to over a grand:
How Home Insurance is Calculated in Congress, AZ
Home insurance in Arizona, including Congress, covers fire, theft, wind, and other perils (but not floods—more on that later). Rates are based on multiple factors, not just fire history:
Location Risk: Congress sits in Yavapai County, a wildfire-prone region (e.g., Yarnell Hill 2013, the bs Hillside Fire 2024). Even with “minimal fire history” locally, insurers look at county-wide or regional risk. Arizona’s 2024 fire season burned 1.2 million acres statewide—insurers jack up rates when the broader area’s dicey, not just your backyard.
Replacement Cost: This is the big one. Rates reflect what it costs to rebuild your home today—labor, materials, everything. Nationally, construction costs rose 30% from 2020-2024 (Bureau of Labor Statistics), and Arizona’s no exception. A $200,000 home in 2020 might cost $260,000+ now—the $400 premium from years ago doesn’t cut it anymore.
Claims Trends: Even if Congress dodged fires, payouts elsewhere (e.g., $1B+ from 2021 AZ
To the local who said one's insurance went from $400 to over a grand:
How Home Insurance is Calculated in Congress, AZ
Home insurance in Arizona, including Congress, covers fire, theft, wind, and other perils (but not floods—more on that later). Rates are based on multiple factors, not just fire history:
Location Risk: Congress sits in Yavapai County, a wildfire-prone region (e.g., Yarnell Hill 2013, the bs Hillside Fire 2024). Even with “minimal fire history” locally, insurers look at county-wide or regional risk. Arizona’s 2024 fire season burned 1.2 million acres statewide—insurers jack up rates when the broader area’s dicey, not just your backyard.
Replacement Cost: This is the big one. Rates reflect what it costs to rebuild your home today—labor, materials, everything. Nationally, construction costs rose 30% from 2020-2024 (Bureau of Labor Statistics), and Arizona’s no exception. A $200,000 home in 2020 might cost $260,000+ now—the $400 premium from years ago doesn’t cut it anymore.
Claims Trends: Even if Congress dodged fires, payouts elsewhere (e.g., $1B+ from 2021 AZ
September 14, 2004- Incident Name Quarry 2004-AZPHD-125048 50 Acres BLM 
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