Home Insurance in San Juan County, Colorado
Homes in San Juan County carry a median value of $432,500 - 20% lower than the Colorado median.
The typical home in San Juan County was built around 1979. About 34% of homes were built before 1960, about 18 points above Colorado's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In San Juan County, the housing stock is 62% single-family homes, 15% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In San Juan County, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 53% of occupied homes in San Juan County are owner-occupied. The vacancy rate is 46%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
49% of homes in San Juan County are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for San Juan County, per FEMA's National Risk Index, are wildfire (Very Low), earthquake (Very Low) and winter weather (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, San Juan County has 2 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $432,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Earthquake (Very Low), Winter Weather (Very Low) |
| Active NFIP flood policies (county) | 2 |
| 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)