Home Insurance in Dinosaur, Colorado
The typical home in Dinosaur was built around 2001. About 17% of homes were built before 1960, about 6 points below Moffat County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Dinosaur is 40% single-family homes and 60% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 75% of owner-occupied homes in Dinosaur have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Dinosaur are owner-occupied.
In Dinosaur, 72% of homes are primarily heated with wood. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Moffat County's overall risk as Very Low, led by wildfire (Relatively Low). Moffat County had 30 active NFIP flood policies as of September 2026. See the full Moffat 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 year built | 2001 |
|---|---|
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Moffat County | 30 |
| 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)