Home Insurance in Kit Carson, Colorado
The median home value in Kit Carson is $150,000, 20% lower than the Cheyenne County median.
The typical home in Kit Carson was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 34% of homes were built before 1960, about 6 points below Cheyenne County's 40%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kit Carson is 81% single-family homes and 17% mobile or manufactured homes.
66% of owner-occupied homes in Kit Carson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kit Carson has an owner-occupancy rate of 71% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Most homes in Kit Carson - 89% - are primarily heated with natural gas.
Cheyenne County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Cheyenne County has no active NFIP flood policies on file. See the full Cheyenne 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 | $150,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Hail (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)