Home Insurance in Collbran, Colorado
Homes in Collbran carry a median value of $246,600 - 35% lower than the Mesa County median.
The typical home in Collbran was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 39% of homes were built before 1960, about 23 points above Mesa County's 16%.
In Collbran, the housing stock is 77% single-family homes, 4% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Collbran, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Collbran has an owner-occupancy rate of 86% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
In Collbran, 77% of homes are primarily heated with natural gas.
Mesa County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Mesa County had 225 active NFIP flood policies as of September 2026. See the full Mesa 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 | $246,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Mesa County | 225 |
| 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)