Home Insurance in Cokedale, Colorado
Homes in Cokedale carry a median value of $195,800 - 18% lower than the Las Animas County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Cokedale was built in 1939 or earlier. About 92% of homes were built before 1960, about 48 points above Las Animas County's 44%.
In Cokedale, the housing stock is 100% single-family homes.
About 8% of owner-occupied homes in Cokedale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cokedale has an owner-occupancy rate of 41% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Cokedale, 43% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Cokedale? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Las Animas County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Colorado is $2,492 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $195,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 8% |
| 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)