Home Insurance in Aguilar, Colorado
With a median home value of $96,400, Aguilar is 59% lower than the Las Animas County median.
The typical home in Aguilar was built around 1971. About 39% of homes were built before 1960, about 4 points below Las Animas County's 44%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Aguilar is 78% single-family homes and 20% mobile or manufactured homes.
In Aguilar, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Aguilar has an owner-occupancy rate of 73% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
82% of homes in Aguilar are primarily heated with natural gas.
FEMA rates Las Animas County's overall risk as Very Low, led by wildfire (Relatively Moderate). Las Animas County had 18 active NFIP flood policies as of September 2026. See the full Las Animas 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 | $96,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Las Animas County | 18 |
| 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)