Home Insurance in Boone, Colorado
The typical home in Boone was built around 1954. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 66% of homes were built before 1960, about 31 points above Pueblo County's 34%.
In Boone, the housing stock is 79% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Boone, about 13% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Boone has an owner-occupancy rate of 82% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
In Boone, 96% of homes are primarily heated with natural gas.
Pueblo County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Pueblo County had 118 active NFIP flood policies as of September 2026. See the full Pueblo County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 year built | 1954 |
|---|---|
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 13% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Pueblo County | 118 |
| 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)