Home Insurance in Las Animas, Colorado
The median home value in Las Animas is $132,700, 10% lower than the Bent County median.
The typical home in Las Animas was built around 1957. About 54% of homes were built before 1960, about 3 points above Bent County's 52%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Las Animas, the housing stock is 83% single-family homes, 6% 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.
About 44% of owner-occupied homes in Las Animas have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Las Animas are owner-occupied.
In Las Animas, 78% of homes are primarily heated with natural gas.
FEMA rates Bent County's overall risk as Very Low, led by wildfire (Relatively Low). Bent County had 2 active NFIP flood policies as of September 2026. See the full Bent County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $132,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Bent County | 2 |
| 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)