Home Insurance in Custer County, Colorado
Homes in Custer County carry a median value of $392,100 - 27% 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 Custer County was built around 1992. About 17% of homes were built before 1960, about 1 point above Colorado's 16%.
The housing stock in Custer County is 87% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
43% of owner-occupied homes in Custer County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 42%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Custer County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 68% of homes in Custer County are primarily heated with propane.
FEMA's National Risk Index lists wildfire (Relatively Low), hail (Very Low) and winter weather (Relatively Low) as the leading hazards for Custer County.
Custer County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $392,100 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Very Low), Winter Weather (Relatively Low) |
| 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)