Home Insurance in Estes Park, Colorado
With a median home value of $664,200, Estes Park is 17% higher than the Larimer County median.
The typical home in Estes Park was built around 1991. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 15% of homes were built before 1960, about 5 points above Larimer County's 10%.
In Estes Park, the housing stock is 81% single-family homes and 10% apartments in buildings with 5+ units.
About 65% of owner-occupied homes in Estes Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Estes Park are owner-occupied.
Most homes in Estes Park - 67% - are primarily heated with natural gas.
FEMA rates Larimer County's overall risk as Relatively Moderate, led by hail (Relatively High). Larimer County had 1,030 active NFIP flood policies as of September 2026. See the full Larimer 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 | $664,200 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Larimer County | 1,030 |
| 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)