Home Insurance in Empire, Colorado
The median home value in Empire is $356,500, 41% lower than the Clear Creek County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Empire was built around 1971. About 31% of homes were built before 1960, about 6 points above Clear Creek County's 25%.
The housing stock in Empire is 59% single-family homes and 16% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Empire have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Empire has an owner-occupancy rate of 47% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Empire, 55% of homes are primarily heated with natural gas.
Clear Creek County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Clear Creek County had 83 active NFIP flood policies as of September 2026. See the full Clear Creek 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 | $356,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Clear Creek County | 83 |
| 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)