Home Insurance in Timnath, Colorado
The median home value in Timnath is $730,100, 28% higher than the Larimer County median.
The typical home in Timnath was built around 2016. About 0% of homes were built before 1960, about 9 points below Larimer County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Timnath, the housing stock is 93% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Timnath, about 88% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Timnath are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Timnath, 91% of homes 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.
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 | $730,100 |
|---|---|
| Median year built | 2016 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 88% |
| 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)