Home Insurance in Kim, Colorado
Homes in Kim carry a median value of $187,500 - 21% lower than the Las Animas County median.
The typical home in Kim was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 36% of homes were built before 1960, about 8 points below Las Animas County's 44%.
The housing stock in Kim is 75% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Kim carry a mortgage.
Kim has an owner-occupancy rate of 54% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Kim - 60% - are primarily heated with propane.
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 | $187,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)