Home Insurance in El Paso County, Colorado
Homes in El Paso County carry a median value of $461,000 - 15% lower than the Colorado median.
The typical home in El Paso County was built around 1989. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 12% of homes were built before 1960, about 4 points below Colorado's 16%.
In El Paso County, the housing stock is 75% single-family homes, 17% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 72% of owner-occupied homes in El Paso County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
El Paso County has an owner-occupancy rate of 66% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
69% of homes in El Paso County are primarily heated with natural gas.
The top hazards for El Paso County, per FEMA's National Risk Index, are winter weather (Very High), wildfire (Relatively High) and hail (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, El Paso County has 1,406 active NFIP flood policies on file.
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 | $461,000 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Wildfire (Relatively High), Hail (Relatively High) |
| Active NFIP flood policies (county) | 1,406 |
| 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)