Home Insurance in Hooper, Colorado
With a median home value of $158,800, Hooper is 34% lower than the Alamosa County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hooper was built around 1973. About 33% of homes were built before 1960, about 11 points above Alamosa County's 22%.
The housing stock in Hooper is 53% single-family homes and 44% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Hooper carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Hooper are owner-occupied.
In Hooper, 74% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Alamosa County had 43 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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.
The statewide average premium for a standard HO-3 homeowners policy in Colorado is $2,492 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $158,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)