Home Insurance in Buena Vista, Colorado
The median home value in Buena Vista is $572,700, 14% lower than the Chaffee County median.
The typical home in Buena Vista was built around 1991. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 15% of homes were built before 1960, about 5 points below Chaffee County's 20%.
In Buena Vista, the housing stock is 85% single-family homes and 11% apartments in buildings with 5+ units.
80% of owner-occupied homes in Buena Vista carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Buena Vista has an owner-occupancy rate of 46% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Buena Vista, 79% of homes are primarily heated with natural gas.
FEMA rates Chaffee County's overall risk as Relatively Low, led by wildfire (Relatively Low). Chaffee County had 80 active NFIP flood policies as of September 2026. See the full Chaffee 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 | $572,700 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Chaffee County | 80 |
| 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)