Home Insurance in Dove Creek, Colorado
Homes in Dove Creek carry a median value of $149,600 - 40% lower than the Dolores County median.
The typical home in Dove Creek was built around 1975. About 42% of homes were built before 1960, about 9 points above Dolores County's 33%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Dove Creek, the housing stock is 56% single-family homes, 13% apartments in buildings with 5+ units and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Dove Creek, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dove Creek has an owner-occupancy rate of 45% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
69% of homes in Dove Creek are primarily heated with natural gas.
Dolores County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Dolores County had 4 active NFIP flood policies as of September 2026. See the full Dolores 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 | $149,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Dolores County | 4 |
| 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)