Home Insurance in Marble, Colorado
Homes in Marble carry a median value of $773,900 - 24% higher than the Gunnison County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Marble was built around 1988. About 10% of homes were built before 1960, about 2 points below Gunnison County's 13%.
Housing in Marble breaks down to 93% single-family homes and 1% mobile or manufactured homes.
About 67% of owner-occupied homes in Marble have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Marble has an owner-occupancy rate of 60% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Marble, 54% of homes are primarily heated with electricity.
Gunnison County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Gunnison County had 133 active NFIP flood policies as of September 2026. See the full Gunnison 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 | $773,900 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Gunnison County | 133 |
| 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)