Home Insurance in Manzanola, Colorado
With a median home value of $128,300, Manzanola is 24% lower than the Otero County median.
The typical home in Manzanola was built around 1949. About 67% of homes were built before 1960, about 14 points above Otero County's 53%. 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 Manzanola is 75% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Manzanola, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Manzanola are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
96% of homes in Manzanola are primarily heated with natural gas.
What's the biggest home insurance risk near Manzanola? FEMA's National Risk Index points to hail (Relatively Moderate) in Otero County and 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.
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 | $128,300 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)