Home Insurance in Seibert, Colorado
The median home value in Seibert is $118,800, 50% lower than the Kit Carson County median.
The typical home in Seibert was built around 1973. About 35% of homes were built before 1960, about 2 points below Kit Carson County's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Seibert is 72% single-family homes and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
24% of owner-occupied homes in Seibert carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Seibert has an owner-occupancy rate of 74% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Seibert - 88% - 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 | $118,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)