Home Insurance in Fremont County, Colorado
The median home value in Fremont County is $324,000, 40% lower than the Colorado median.
The typical home in Fremont County was built around 1981. About 25% of homes were built before 1960, about 9 points above Colorado's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fremont County is 75% single-family homes, 7% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
About 51% of owner-occupied homes in Fremont County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Fremont County are owner-occupied.
Most homes in Fremont County - 65% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Fremont County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), winter weather (Relatively Moderate) and hail (Relatively Moderate).
Fremont County had 215 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $324,000 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively Moderate), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 215 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)