HomeInsuranceQts

Home Insurance in Kremmling, Colorado

With a median home value of $376,400, Kremmling is 37% lower than the Grand County median.

The typical home in Kremmling was built around 1975. About 25% of homes were built before 1960, about 17 points above Grand County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

The housing stock in Kremmling is 79% single-family homes, 8% 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.

70% of owner-occupied homes in Kremmling carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Kremmling has an owner-occupancy rate of 83% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.

In Kremmling, 63% 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.

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$376,400
Median year built1975
Owner-occupied share83%
Share of owner-occupied homes with a mortgage70%
Top county hazardWildfire (Relatively Low)
Active NFIP policies in Grand County123
Home insurance premium$2,492 - statewide average (NAIC, 2023 data)
Key home insurance figures for Kremmling, CO

Nearby towns

Sources

Data last updated: 2026-09-29