Home Insurance in Two Buttes, Colorado
The median home value in Two Buttes is $28,300, 77% lower than the Baca County median.
The typical home in Two Buttes was built around 1943. About 86% of homes were built before 1960, about 49 points above Baca County's 37%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Two Buttes breaks down to 100% single-family homes.
Almost no owner-occupied homes in Two Buttes carry a mortgage.
The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Two Buttes are owner-occupied.
80% of homes in Two Buttes are primarily heated with natural gas.
FEMA rates Baca County's overall risk as Very Low, led by wildfire (Relatively Low). Baca County has no active NFIP flood policies on file. 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 | $28,300 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)