Cattle drive casserole

1 ½ pounds ground beef
1 onion, minced
1 taco seasoning packet
½ cup sour cream
½ cup mayonnaise
½ cup shredded cheddar cheese, divided
½ cup shredded pepper jack cheese, divided
One 4-ounce can diced green chilies, drained
2 cups Bisquick
1 cup water

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