Home Insurance in Winter Park, Colorado
Homes in Winter Park carry a median value of $775,300 - 29% higher than the Grand County median.
The typical home in Winter Park was built around 1992. About 2% of homes were built before 1960, about 5 points below Grand County's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Winter Park, the housing stock is 33% single-family homes and 62% apartments in buildings with 5+ units.
About 43% of owner-occupied homes in Winter Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 50% of occupied homes in Winter Park are owner-occupied. The vacancy rate is 83%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
48% of homes in Winter Park are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $775,300 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)