Home Insurance in Fairplay, Colorado
With a median home value of $431,300, Fairplay is 19% lower than the Park County median.
The typical home in Fairplay was built around 1994. About 16% of homes were built before 1960, about 10 points above Park County's 6%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Fairplay is 54% single-family homes, 34% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
72% of owner-occupied homes in Fairplay carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Fairplay are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Fairplay, 73% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Fairplay? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Park County and Park County had 29 active NFIP flood policies as of September 2026. See the full Park 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 | $431,300 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Park County | 29 |
| 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)