Home Insurance in Eagle County, Colorado
With a median home value of $839,500, Eagle County is 56% higher than the Colorado median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Eagle County was built around 1993. About 4% of homes were built before 1960, about 12 points below Colorado's 16%.
The housing stock in Eagle County is 52% single-family homes, 36% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Eagle County, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in Eagle County are owner-occupied. The vacancy rate is 35%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Eagle County, 63% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Eagle County's top hazards are inland flooding (Relatively Moderate), wildfire (Relatively Low) and winter weather (Relatively Moderate).
Eagle County had 389 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.
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 | $839,500 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Wildfire (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 389 |
| 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)