Home Insurance in Glenwood Springs, Colorado
Homes in Glenwood Springs carry a median value of $619,000 - 17% higher than the Garfield County median.
The typical home in Glenwood Springs was built around 1982. About 24% of homes were built before 1960, about 13 points above Garfield County's 10%. 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 Glenwood Springs is 53% single-family homes, 26% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
69% of owner-occupied homes in Glenwood Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Glenwood Springs has an owner-occupancy rate of 55% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Glenwood Springs, 64% of homes are primarily heated with natural gas.
Garfield County had 152 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Garfield 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 | $619,000 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Garfield County | 152 |
| 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)