Home Insurance in Fowler, Colorado
The median home value in Fowler is $143,900, 15% lower than the Otero County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Fowler was built around 1957. About 55% of homes were built before 1960, about 2 points above Otero County's 53%.
The housing stock in Fowler is 84% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
36% of owner-occupied homes in Fowler carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Fowler are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
86% of homes in Fowler are primarily heated with natural gas.
Otero County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Otero County had 43 active NFIP flood policies as of September 2026. See the full Otero County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Colorado is $2,492 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $143,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Otero County | 43 |
| 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)