Home Insurance in Gilpin County, Colorado
The median home value in Gilpin County is $573,900, 6% higher than the Colorado median.
The typical home in Gilpin County was built around 1984. About 14% of homes were built before 1960, about 2 points below Colorado's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Gilpin County is 93% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
76% of owner-occupied homes in Gilpin County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Gilpin County are owner-occupied.
Most homes in Gilpin County - 54% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Gilpin County's top hazards are wildfire (Relatively Low), hail (Relatively Low) and winter weather (Relatively Low).
Gilpin County had 21 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 | $573,900 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 21 |
| 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)