Home Insurance in Walsenburg, Colorado
Homes in Walsenburg carry a median value of $147,300 - 41% lower than the Huerfano County median.
The typical home in Walsenburg was built around 1951. About 55% of homes were built before 1960, about 20 points above Huerfano County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Walsenburg is 81% single-family homes, 8% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 49% of owner-occupied homes in Walsenburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Walsenburg has an owner-occupancy rate of 60% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
76% of homes in Walsenburg are primarily heated with natural gas.
What's the biggest home insurance risk near Walsenburg? FEMA's National Risk Index points to wildfire (Relatively Low) in Huerfano County and Huerfano County had 61 active NFIP flood policies as of September 2026. See the full Huerfano 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 | $147,300 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Huerfano County | 61 |
| 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)