Home Insurance in Manitou Springs, Colorado
With a median home value of $561,200, Manitou Springs is 22% higher than the El Paso County median.
The typical home in Manitou Springs was built around 1954. About 57% of homes were built before 1960, about 45 points above El Paso County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Manitou Springs breaks down to 74% single-family homes and 16% apartments in buildings with 5+ units.
In Manitou Springs, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Manitou Springs are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Manitou Springs, 69% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Manitou Springs? FEMA's National Risk Index points to winter weather (Very High) in El Paso County and 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 | $561,200 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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
- Green Mountain Falls
- Colorado Springs
- Woodland Park
- Monument
- Victor
- Cripple Creek
- Fountain
- Palmer Lake
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)