Home Insurance in Hartman, Colorado
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hartman was built around 1952. About 86% of homes were built before 1960, about 48 points above Prowers County's 39%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hartman is 76% single-family homes, 17% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
Almost no owner-occupied homes in Hartman carry a mortgage.
About 68% of occupied homes in Hartman are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
100% of homes in Hartman are primarily heated with natural gas.
Prowers County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Prowers County had 42 active NFIP flood policies as of September 2026. See the full Prowers County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Colorado is $2,492 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 1952 |
|---|---|
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Prowers County | 42 |
| 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)