Home Insurance in Ophir, Colorado
With a median home value of $906,300, Ophir is 26% higher than the San Miguel County median.
The typical home in Ophir was built around 1995. About 13% of homes were built before 1960, about 5 points above San Miguel County's 8%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Ophir breaks down to 100% single-family homes.
In Ophir, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Ophir are owner-occupied.
90% of homes in Ophir are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $906,300 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)