Home Insurance in Coal Creek, Colorado
With a median home value of $199,000, Coal Creek is 39% lower than the Fremont County median.
The typical home in Coal Creek was built around 1993. About 22% of homes were built before 1960, about 3 points below Fremont County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coal Creek is 71% single-family homes, 3% apartments in buildings with 5+ units and 27% mobile or manufactured homes.
50% of owner-occupied homes in Coal Creek carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Coal Creek are owner-occupied.
Most homes in Coal Creek - 57% - 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.
What's the biggest home insurance risk near Coal Creek? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Fremont County and Fremont County had 215 active NFIP flood policies as of September 2026. See the full Fremont 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 | $199,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Fremont County | 215 |
| 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)