Home Insurance in Silverton, Colorado
Homes in Silverton carry a median value of $471,100 - 9% higher than the San Juan County median.
The typical home in Silverton was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 44% of homes were built before 1960, about 10 points above San Juan County's 34%.
The housing stock in Silverton is 71% single-family homes and 13% 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.
40% of owner-occupied homes in Silverton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 48% of occupied homes in Silverton are owner-occupied. The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Silverton, 54% of homes 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.
San Juan County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. San Juan County had 2 active NFIP flood policies as of September 2026. See the full San Juan 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 | $471,100 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in San Juan 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)