Home Insurance in Routt County, Colorado
The median home value in Routt County is $854,700, 58% higher than the Colorado median.
The typical home in Routt County was built around 1993. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 8% of homes were built before 1960, about 8 points below Colorado's 16%.
In Routt County, the housing stock is 64% single-family homes, 25% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Routt County, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Routt County are owner-occupied. The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
46% of homes in Routt County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Routt County's top hazards are wildfire (Relatively Low), winter weather (Relatively Moderate) and inland flooding (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Routt County has 264 active NFIP flood policies on file.
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 | $854,700 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 264 |
| 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)