Home Insurance in Sheridan Lake, Colorado
Homes in Sheridan Lake carry a median value of $86,700 - 46% lower than the Kiowa County median.
The typical home in Sheridan Lake was built around 1963. About 47% of homes were built before 1960, about 2 points above Kiowa County's 45%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Sheridan Lake is 71% single-family homes, 6% apartments in buildings with 5+ units and 24% 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 Sheridan Lake carry a mortgage.
Sheridan Lake has an owner-occupancy rate of 32% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
48% of homes in Sheridan Lake 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.
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 | $86,700 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 32% |
| 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)