Home Insurance in Ouray County, Colorado
Homes in Ouray County carry a median value of $739,800 - 37% higher than the Colorado median.
The typical home in Ouray County was built around 1995. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 2 points above Colorado's 16%.
The housing stock in Ouray County is 79% single-family homes, 7% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ouray County, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ouray County has an owner-occupancy rate of 83% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Ouray County - 52% - are primarily heated with natural gas.
FEMA's National Risk Index lists wildfire (Relatively Low), earthquake (Very Low) and inland flooding (Very Low) as the leading hazards for Ouray County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Ouray County has 39 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $739,800 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Very Low), Inland Flooding (Very Low) |
| Active NFIP flood policies (county) | 39 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)