Home Insurance in Kiowa, Colorado
Homes in Kiowa carry a median value of $367,000 - 48% lower than the Elbert County median.
The typical home in Kiowa was built around 1996. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 9 points above Elbert County's 7%.
In Kiowa, the housing stock is 62% single-family homes, 1% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
72% of owner-occupied homes in Kiowa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 86% of occupied homes in Kiowa are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Kiowa, 91% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Kiowa? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Elbert County and Elbert County had 20 active NFIP flood policies as of September 2026. See the full Elbert 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 | $367,000 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Elbert County | 20 |
| 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)