Home Insurance in Naturita, Colorado
Homes in Naturita carry a median value of $158,400 - 59% lower than the Montrose County median.
The typical home in Naturita was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, in line with Montrose County (14%).
The housing stock in Naturita is 49% single-family homes and 51% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Naturita have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 88% of occupied homes in Naturita are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 54% of homes in Naturita are primarily heated with natural gas.
Montrose County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Montrose County had 83 active NFIP flood policies as of September 2026. See the full Montrose County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Colorado carries a statewide average premium of $2,492 per year.
Key figures
| Median home value | $158,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Montrose County | 83 |
| 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)