Home Insurance in Holly, Colorado
The median home value in Holly is $99,800, 38% lower than the Prowers County median.
The typical home in Holly was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 38% of homes were built before 1960, in line with Prowers County (39%).
The housing stock in Holly is 63% single-family homes, 30% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Holly, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Holly has an owner-occupancy rate of 59% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
69% of homes in Holly are primarily heated with natural gas.
FEMA rates Prowers County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.
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 | $99,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)