Home Insurance in Moffat County, Colorado
The median home value in Moffat County is $289,500, 46% lower than the Colorado median.
The typical home in Moffat County was built around 1977. About 23% of homes were built before 1960, about 7 points above Colorado's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Moffat County is 63% single-family homes, 10% apartments in buildings with 5+ units and 21% mobile or manufactured homes.
63% of owner-occupied homes in Moffat County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Moffat County has an owner-occupancy rate of 69% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Moffat County - 62% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Relatively Low), winter weather (Relatively Moderate) and earthquake (Very Low) as the leading hazards for Moffat County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Moffat County had 30 active National Flood Insurance Program policies as of September 2026. 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 | $289,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Moderate), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 30 |
| 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)