Home Insurance in Mountain Village, Colorado
Mountain Village's median home value is $2,000,000+.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mountain Village was built around 2001. About 0% of homes were built before 1960, about 8 points below San Miguel County's 8%.
The housing stock in Mountain Village is 33% single-family homes and 62% apartments in buildings with 5+ units.
61% of owner-occupied homes in Mountain Village carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 27% of occupied homes in Mountain Village are owner-occupied. The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
62% of homes in Mountain Village are primarily heated with electricity.
San Miguel County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. San Miguel County had 526 active NFIP flood policies as of September 2026. See the full San Miguel 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 home value | $2,000,000+ |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 27% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in San Miguel County | 526 |
| 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)