Home Insurance in Flagler, Colorado
Homes in Flagler carry a median value of $167,700 - 30% lower than the Kit Carson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Flagler was built around 1953. About 58% of homes were built before 1960, about 20 points above Kit Carson County's 38%.
In Flagler, the housing stock is 80% single-family homes, 11% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 40% of owner-occupied homes in Flagler have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Flagler are owner-occupied.
71% of homes in Flagler are primarily heated with natural gas.
FEMA rates Kit Carson County's overall risk as Very Low, led by hail (Relatively Moderate). Kit Carson County has no active NFIP flood policies on file. See the full Kit Carson 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 | $167,700 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Hail (Relatively Moderate) |
| 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)