HomeInsuranceQts

Home Insurance in Eads, Colorado

Homes in Eads carry a median value of $135,200 - 16% lower than the Kiowa County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Eads was built around 1964. About 43% of homes were built before 1960, about 2 points below Kiowa County's 45%.

In Eads, the housing stock is 86% single-family homes, 8% 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.

In Eads, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Eads are owner-occupied.

Most homes in Eads - 88% - are primarily heated with natural gas.

FEMA rates Kiowa County's overall risk as Very Low, led by hail (Relatively Low). Kiowa County has no active NFIP flood policies on file. See the full Kiowa 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$135,200
Median year built1964
Owner-occupied share79%
Share of owner-occupied homes with a mortgage47%
Top county hazardHail (Relatively Low)
Home insurance premium$2,492 - statewide average (NAIC, 2023 data)
Key home insurance figures for Eads, CO

Nearby towns

Sources

Data last updated: 2026-09-29