Home Insurance in Silt, Colorado
Homes in Silt carry a median value of $446,900 - 15% lower than the Garfield County median.
The typical home in Silt was built around 1998. About 5% of homes were built before 1960, about 5 points below Garfield County's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Silt is 84% single-family homes, 3% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
86% of owner-occupied homes in Silt carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Silt are owner-occupied.
75% of homes in Silt are primarily heated with natural gas.
Garfield County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Garfield County had 152 active NFIP flood policies as of September 2026. See the full Garfield County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Colorado is $2,492 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $446,900 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 86% |
| 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)