Home Insurance in Eagle, Colorado
With a median home value of $695,100, Eagle is 17% lower than the Eagle County median.
The typical home in Eagle was built around 1999. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 5% of homes were built before 1960, about 1 point above Eagle County's 4%.
The housing stock in Eagle is 72% single-family homes, 14% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
79% of owner-occupied homes in Eagle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Eagle are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
77% of homes in Eagle are primarily heated with natural gas.
FEMA rates Eagle County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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 | $695,100 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)