Home Insurance in Alamosa, Colorado
With a median home value of $225,200, Alamosa is 6% lower than the Alamosa County median.
The typical home in Alamosa was built around 1976. About 24% of homes were built before 1960, about 2 points above Alamosa County's 22%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Alamosa, the housing stock is 63% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Alamosa 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 44% of occupied homes in Alamosa are owner-occupied.
Most homes in Alamosa - 57% - are primarily heated with natural gas.
FEMA rates Alamosa County's overall risk as Very Low, led by earthquake (Relatively Low). Alamosa County had 43 active NFIP flood policies as of September 2026. See the full Alamosa County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Colorado, the statewide average premium for a standard HO-3 homeowners policy is $2,492 per year (NAIC, 2023 data).
Key figures
| Median home value | $225,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Alamosa County | 43 |
| Home insurance premium | $2,492 - 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)