Home Insurance in Manassa, Colorado
The median home value in Manassa is $209,300, 8% higher than the Conejos County median.
The typical home in Manassa was built around 1979. About 34% of homes were built before 1960, about 5 points above Conejos County's 29%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Manassa, the housing stock is 82% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Manassa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Manassa has an owner-occupancy rate of 88% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Manassa - 65% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Conejos County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Very Low). 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 | $209,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)