Home Insurance in Crook, Colorado
Homes in Crook carry a median value of $118,800 - 52% lower than the Logan County median.
The typical home in Crook was built around 1948. About 53% of homes were built before 1960, about 7 points above Logan County's 46%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Crook is 84% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
21% of owner-occupied homes in Crook carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Crook are owner-occupied.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Crook, 49% of homes are primarily heated with propane.
Logan County had 213 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Logan 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 | $118,800 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Logan County | 213 |
| 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)