Home Insurance in Avon, Colorado
With a median home value of $548,900, Avon is 35% lower than the Eagle County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Avon was built around 1990. About 8% of homes were built before 1960, about 4 points above Eagle County's 4%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Avon is 32% single-family homes, 57% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 68% of owner-occupied homes in Avon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 42%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Avon are owner-occupied.
In Avon, 50% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Avon? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Eagle County and Eagle County had 389 active NFIP flood policies as of September 2026. See the full Eagle County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $548,900 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Eagle County | 389 |
| 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)