Home Insurance in Del Norte, Colorado
The median home value in Del Norte is $184,400, 23% lower than the Rio Grande County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Del Norte was built around 1973. About 35% of homes were built before 1960, about 4 points above Rio Grande County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Del Norte is 66% single-family homes, 8% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
About 60% of owner-occupied homes in Del Norte have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Del Norte are owner-occupied.
Most homes in Del Norte - 65% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Rio Grande County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Rio Grande County had 107 active NFIP flood policies as of September 2026. See the full Rio Grande County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $184,400 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Rio Grande County | 107 |
| 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)