Home Insurance in La Plata County, Colorado
The median home value in La Plata County is $591,500, 10% higher than the Colorado median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in La Plata County was built around 1993. About 14% of homes were built before 1960, about 2 points below Colorado's 16%.
In La Plata County, the housing stock is 69% single-family homes, 11% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In La Plata County, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in La Plata County are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 47% of homes in La Plata County are primarily heated with natural gas.
FEMA's National Risk Index lists wildfire (Relatively Moderate), inland flooding (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for La Plata County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, La Plata County has 367 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Colorado carries a statewide average premium of $2,492 per year.
Key figures
| Median home value | $591,500 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Inland Flooding (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 367 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)