Home Insurance in Las Animas County, Colorado
With a median home value of $237,600, Las Animas County is 56% lower than the Colorado median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Las Animas County was built around 1972. About 44% of homes were built before 1960, about 28 points above Colorado's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Las Animas County is 79% single-family homes, 4% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
51% of owner-occupied homes in Las Animas County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Las Animas County has an owner-occupancy rate of 69% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
48% of homes in Las Animas County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Las Animas County's top hazards are wildfire (Relatively Moderate), winter weather (Relatively Moderate) and hail (Relatively Low).
Las Animas County had 18 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $237,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 18 |
| 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)