Home Insurance in Swink, Colorado
Homes in Swink carry a median value of $163,000 - close to the Otero County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Swink was built around 1959. About 52% of homes were built before 1960, about 1 point below Otero County's 53%.
Housing in Swink breaks down to 78% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 44% of owner-occupied homes in Swink have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Swink are owner-occupied.
65% of homes in Swink are primarily heated with natural gas.
What's the biggest home insurance risk near Swink? 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.
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 | $163,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)