We live in Cochise County, and they just got word that their homeowners' insurance policies had been canceled because their properties were considered at greater risk from wildfire. If you have a mortgage, you’re required by your lender to maintain homeowners insurance for as long as the loan exists. The issue is significant enough that the Arizona Department of Insurance and Financial Institutions recently created a Resiliency and Mitigation Council to study the availability and affordability of homeowners insurance in wildfire-prone areas. In Arizona, homeowners have reported trouble with purchasing or renewing coverage through companies like State Farm, Allstate, Progressive, and Farmers Insurance, among others. Homeowners insurance affects property values, mortgage availability, and the overall health of local communities.