Home Insurance in Haswell, Colorado
Homes in Haswell carry a median value of $133,300 - 17% lower than the Kiowa County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Haswell was built in 1939 or earlier. About 68% of homes were built before 1960, about 23 points above Kiowa County's 45%.
The housing stock in Haswell is 74% single-family homes and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Haswell carry a mortgage.
About 43% of occupied homes in Haswell are owner-occupied. The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Haswell - 57% - 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.
Kiowa County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. 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.
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 | $133,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Hail (Relatively Low) |
| 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)