Home Insurance in Arriba, Colorado
With a median home value of $110,200, Arriba is 55% lower than the Lincoln County median.
The median home in Arriba was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 74% of homes were built before 1960, about 29 points above Lincoln County's 45%.
In Arriba, the housing stock is 88% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 54% of owner-occupied homes in Arriba have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Arriba has an owner-occupancy rate of 64% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Arriba, 52% 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.
Lincoln County had 5 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Lincoln 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 | $110,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Lincoln County | 5 |
| 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)