Home Insurance in Granby, Colorado
The median home value in Granby is $567,100, 6% lower than the Grand County median.
The typical home in Granby was built around 1999. About 1% of homes were built before 1960, about 6 points below Grand County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Granby is 52% single-family homes, 35% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 80% of owner-occupied homes in Granby have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Granby has an owner-occupancy rate of 65% and a vacancy rate of 45%; unoccupied homes typically need a different coverage form.
In Granby, 63% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Grand County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Grand County had 123 active NFIP flood policies as of September 2026. See the full Grand 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 | $567,100 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)