Home Insurance in Pueblo County, Colorado
Homes in Pueblo County carry a median value of $291,300 - 46% lower than the Colorado median.
The typical home in Pueblo County was built around 1974. About 34% of homes were built before 1960, about 18 points above Colorado's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pueblo County is 80% single-family homes, 10% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Pueblo County, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Pueblo County are owner-occupied.
76% of homes in Pueblo County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Very High), hail (Relatively High) and wildfire (Relatively Moderate) as the leading hazards for Pueblo County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Pueblo County has 118 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Colorado carries a statewide average premium of $2,492 per year.
Key figures
| Median home value | $291,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Hail (Relatively High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 118 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)