Home Insurance in Green Mountain Falls, Colorado
With a median home value of $449,100, Green Mountain Falls is close to the El Paso County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Green Mountain Falls was built around 1947. About 65% of homes were built before 1960, about 53 points above El Paso County's 12%.
In Green Mountain Falls, the housing stock is 96% single-family homes and 2% apartments in buildings with 5+ units.
In Green Mountain Falls, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 52%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Green Mountain Falls are owner-occupied.
76% of homes in Green Mountain Falls 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.
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 | $449,100 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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
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)