Home Insurance in Antonito, Colorado
Homes in Antonito carry a median value of $85,700 - 56% lower than the Conejos County median.
The typical home in Antonito was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 49% of homes were built before 1960, about 20 points above Conejos County's 29%.
In Antonito, the housing stock is 86% single-family homes, 3% 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.
35% of owner-occupied homes in Antonito carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Antonito has an owner-occupancy rate of 75% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Antonito, 73% of homes are primarily heated with natural gas.
Conejos County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Conejos County had 11 active NFIP flood policies as of September 2026. See the full Conejos 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 | $85,700 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Conejos County | 11 |
| 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)