Home Insurance in Costilla County, Colorado
With a median home value of $184,700, Costilla County is 66% lower than the Colorado median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Costilla County was built around 1985. About 25% of homes were built before 1960, about 9 points above Colorado's 16%.
In Costilla County, the housing stock is 82% single-family homes, 1% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
32% of owner-occupied homes in Costilla County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Costilla County has an owner-occupancy rate of 79% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 36% of homes in Costilla County are primarily heated with wood.
FEMA's National Risk Index lists wildfire (Relatively Low), earthquake (Very Low) and winter weather (Relatively Low) as the leading hazards for Costilla County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Costilla County had 10 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Colorado carries a statewide average premium of $2,492 per year.
Key figures
| Median home value | $184,700 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 10 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)