Home Insurance in Huerfano County, Colorado
Homes in Huerfano County carry a median value of $247,800 - 54% lower than the Colorado median.
The typical home in Huerfano County was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 35% of homes were built before 1960, about 19 points above Colorado's 16%.
The housing stock in Huerfano County is 84% single-family homes, 5% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Huerfano County, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Huerfano County has an owner-occupancy rate of 75% and a vacancy rate of 35%; 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 Huerfano County, 35% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Huerfano County's top hazards are wildfire (Relatively Low), winter weather (Relatively Moderate) and inland flooding (Relatively Low).
Huerfano County had 61 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.
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 | $247,800 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 61 |
| 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)