Home Insurance in Saguache, Colorado
The typical home in Saguache was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 40% of homes were built before 1960, about 21 points above Saguache County's 19%.
In Saguache, the housing stock is 58% single-family homes, 16% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Saguache, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Saguache are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Saguache, 70% of homes are primarily heated with natural gas.
Saguache County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Saguache County had 2 active NFIP flood policies as of September 2026. See the full Saguache 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 | 1977 |
|---|---|
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Saguache County | 2 |
| 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)