Home Insurance in Branson, Colorado
The median home value in Branson is $50,400, 79% lower than the Las Animas County median.
The typical home in Branson was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 8 points below Las Animas County's 44%.
The housing stock in Branson is 54% single-family homes and 46% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
3% of owner-occupied homes in Branson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 43%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Branson are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Branson - 89% - are primarily heated with propane.
Las Animas County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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 | $50,400 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 3% |
| 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)