Home Insurance in Durango, Colorado
Homes in Durango carry a median value of $668,400 - 13% higher than the La Plata County median.
The typical home in Durango was built around 1989. About 25% of homes were built before 1960, about 11 points above La Plata County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Durango is 59% single-family homes, 24% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 61% of owner-occupied homes in Durango have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Durango has an owner-occupancy rate of 53% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Durango - 67% - are primarily heated with natural gas.
FEMA rates La Plata County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). La Plata County had 367 active NFIP flood policies as of September 2026. See the full La Plata County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Colorado is $2,492 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $668,400 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in La Plata County | 367 |
| 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)