Home Insurance in Campo, Colorado
Homes in Campo carry a median value of $36,100 - 71% lower than the Baca County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Campo was built in 1939 or earlier. About 75% of homes were built before 1960, about 39 points above Baca County's 37%.
The housing stock in Campo is 100% single-family homes.
28% of owner-occupied homes in Campo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Campo has an owner-occupancy rate of 81% and a vacancy rate of 49%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Campo - 58% - are primarily heated with natural gas.
Baca County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Baca County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $36,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)