Home Insurance in Silver Cliff, Colorado
With a median home value of $268,500, Silver Cliff is 32% lower than the Custer County median.
The typical home in Silver Cliff was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 27% of homes were built before 1960, about 10 points above Custer County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Silver Cliff is 63% single-family homes, 18% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
About 36% of owner-occupied homes in Silver Cliff have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 58% of occupied homes in Silver Cliff are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Silver Cliff, 39% of homes are primarily heated with propane.
Custer County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Custer County has no active NFIP flood policies on file. See the full Custer 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 | $268,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Wildfire (Relatively 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)