Home Insurance in Oak Creek, Colorado
With a median home value of $377,300, Oak Creek is 56% lower than the Routt County median.
The typical home in Oak Creek was built around 1958. About 50% of homes were built before 1960, about 43 points above Routt County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Oak Creek is 93% single-family homes, 1% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
58% of owner-occupied homes in Oak Creek carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Oak Creek has an owner-occupancy rate of 74% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 39% of homes in Oak Creek are primarily heated with electricity.
Routt County had 264 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Routt County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $377,300 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Routt County | 264 |
| 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)