Home Insurance in Hinsdale County, Colorado
Homes in Hinsdale County carry a median value of $437,900 - 19% lower than the Colorado median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hinsdale County was built around 1984. About 16% of homes were built before 1960, in line with Colorado (16%).
The housing stock in Hinsdale County is 89% single-family homes, 4% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Hinsdale County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Hinsdale County are owner-occupied. The vacancy rate is 62%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hinsdale County - 55% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Hinsdale County, per FEMA's National Risk Index, are wildfire (Very Low), earthquake (Very Low) and inland flooding (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Hinsdale County had 12 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $437,900 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Earthquake (Very Low), Inland Flooding (Very Low) |
| Active NFIP flood policies (county) | 12 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)