Home Insurance in Haxtun, Colorado
Homes in Haxtun carry a median value of $233,300 - 10% lower than the Phillips County median.
The typical home in Haxtun was built around 1967. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 36% of homes were built before 1960, about 3 points below Phillips County's 39%.
In Haxtun, the housing stock is 82% single-family homes, 6% 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.
56% of owner-occupied homes in Haxtun carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Haxtun has an owner-occupancy rate of 77% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
78% of homes in Haxtun are primarily heated with natural gas.
Phillips County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Phillips County had 6 active NFIP flood policies as of September 2026. See the full Phillips 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 | $233,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Phillips County | 6 |
| 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)