Home Insurance in Dolores, Colorado
Homes in Dolores carry a median value of $308,100 - 7% lower than the Montezuma County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dolores was built around 1980. About 40% of homes were built before 1960, about 19 points above Montezuma County's 22%.
The housing stock in Dolores is 48% single-family homes, 9% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Dolores carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Dolores are owner-occupied.
83% of homes in Dolores are primarily heated with natural gas.
Montezuma County had 77 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Montezuma 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 | $308,100 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Montezuma County | 77 |
| 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)