Home Insurance in Walsh, Colorado
The median home value in Walsh is $85,000, 31% 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 typical home in Walsh was built around 1980. About 16% of homes were built before 1960, about 21 points below Baca County's 37%.
The housing stock in Walsh is 64% single-family homes, 28% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
23% of owner-occupied homes in Walsh carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Walsh has an owner-occupancy rate of 57% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Walsh - 84% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Walsh? FEMA's National Risk Index points to wildfire (Relatively Low) in Baca County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Colorado carries a statewide average premium of $2,492 per year.
Key figures
| Median home value | $85,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)