Home Insurance in Sawpit, Colorado
The housing stock in Sawpit is 100% single-family homes.
100% of owner-occupied homes in Sawpit carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Sawpit are owner-occupied.
In Sawpit, 100% of homes are primarily heated with natural gas.
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.
In Colorado, the statewide average premium for a standard HO-3 homeowners policy is $2,492 per year (NAIC, 2023 data).
Key figures
| Owner-occupied share | 100% |
|---|---|
| Share of owner-occupied homes with a mortgage | 100% |
| 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)