Home Insurance in Lincoln County, Colorado
With a median home value of $246,500, Lincoln County is 54% lower than the Colorado median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lincoln County was built around 1967. About 45% of homes were built before 1960, about 29 points above Colorado's 16%.
In Lincoln County, the housing stock is 81% single-family homes, 7% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lincoln County, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Lincoln County are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lincoln County, 59% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively Low), wildfire (Very Low) and winter weather (Relatively Low) as the leading hazards for Lincoln County.
As of September 2026, Lincoln County has 5 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $246,500 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Wildfire (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 5 |
| 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)