Home Insurance in Pueblo, Colorado
Homes in Pueblo carry a median value of $247,200 - 15% lower than the Pueblo County median.
The typical home in Pueblo was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 44% of homes were built before 1960, about 9 points above Pueblo County's 34%.
In Pueblo, the housing stock is 77% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
64% of owner-occupied homes in Pueblo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pueblo has an owner-occupancy rate of 61% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
78% of homes in Pueblo 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.
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 | $247,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)