Home Insurance in Crowley, Colorado
Homes in Crowley carry a median value of $80,000 - 31% lower than the Crowley County median.
The median home in Crowley was built in 1939 or earlier. About 80% of homes were built before 1960, about 31 points above Crowley County's 49%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Crowley, the housing stock is 93% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Crowley, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Crowley has an owner-occupancy rate of 74% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
84% of homes in Crowley are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Crowley County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Crowley County has no active NFIP flood policies on file. See the full Crowley County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Colorado is $2,492 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $80,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Wildfire (Very 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)