Home Insurance in Log Lane Village, Colorado
With a median home value of $149,200, Log Lane Village is 56% lower than the Morgan County median.
The typical home in Log Lane Village was built around 1976. About 14% of homes were built before 1960, about 18 points below Morgan County's 32%. 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 Log Lane Village is 42% single-family homes, 1% apartments in buildings with 5+ units and 55% mobile or manufactured homes.
41% of owner-occupied homes in Log Lane Village carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Log Lane Village are owner-occupied.
Most homes in Log Lane Village - 79% - are primarily heated with natural gas.
Morgan County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Morgan County had 97 active NFIP flood policies as of September 2026. See the full Morgan 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 | $149,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Morgan County | 97 |
| 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)