Home Insurance in Fountain, Colorado
With a median home value of $398,000, Fountain is 14% lower than the El Paso County median.
The typical home in Fountain was built around 2000. About 9% of homes were built before 1960, about 4 points below El Paso County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Fountain is 84% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Fountain, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fountain has an owner-occupancy rate of 73% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Fountain, 71% of homes are primarily heated with natural gas.
El Paso County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. El Paso County had 1,406 active NFIP flood policies as of September 2026. See the full El Paso County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Colorado carries a statewide average premium of $2,492 per year.
Key figures
| Median home value | $398,000 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in El Paso County | 1,406 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Nearby towns
- Colorado Springs
- Manitou Springs
- Victor
- Green Mountain Falls
- Cripple Creek
- Monument
- Pueblo
- Woodland Park
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)