Home Insurance in Wiley, Colorado
With a median home value of $140,300, Wiley is 13% lower than the Prowers County median.
The typical home in Wiley was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 41% of homes were built before 1960, about 2 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 Wiley is 75% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
70% of owner-occupied homes in Wiley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Wiley has an owner-occupancy rate of 71% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
85% of homes in Wiley 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 home value | $140,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)