Home Insurance in Ramah, Colorado
The median home in Ramah was built in 1939 or earlier. About 57% of homes were built before 1960, about 45 points above El Paso County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Ramah, the housing stock is 75% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Ramah have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Ramah are owner-occupied.
51% of homes in Ramah are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)