HomeInsuranceQts

Home Insurance in Pitkin, Colorado

With a median home value of $355,200, Pitkin is 43% lower than the Gunnison County median.

The typical home in Pitkin was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 29% of homes were built before 1960, about 16 points above Gunnison County's 13%.

In Pitkin, the housing stock is 91% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

40% of owner-occupied homes in Pitkin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Pitkin has an owner-occupancy rate of 94% and a vacancy rate of 75%; unoccupied homes typically need a different coverage form.

In Pitkin, 80% of homes are primarily heated with wood. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

FEMA rates Gunnison County's overall risk as Relatively Low, led by wildfire (Relatively Low). 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.

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$355,200
Median year built1977
Owner-occupied share94%
Share of owner-occupied homes with a mortgage40%
Top county hazardWildfire (Relatively Low)
Active NFIP policies in Gunnison County133
Home insurance premium$2,492 - statewide average (NAIC, 2023 data)
Key home insurance figures for Pitkin, CO

Nearby towns

Sources

Data last updated: 2026-09-29