Home Insurance in Fraser, Colorado
Homes in Fraser carry a median value of $600,800 - close to the Grand County median.
The typical home in Fraser was built around 1993. About 6% of homes were built before 1960, about 1 point below Grand County's 7%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Fraser, the housing stock is 66% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Fraser have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fraser has an owner-occupancy rate of 59% and a vacancy rate of 53%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Fraser, 48% of homes are primarily heated with natural gas.
Grand County had 123 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Grand 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 | $600,800 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Grand County | 123 |
| 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)