Home Insurance in Breckenridge, Colorado
Homes in Breckenridge carry a median value of $1,012,700 - 8% higher than the Summit County median.
The typical home in Breckenridge was built around 1991. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 4% of homes were built before 1960, about 1 point above Summit County's 3%.
The housing stock in Breckenridge is 43% single-family homes and 50% apartments in buildings with 5+ units.
72% of owner-occupied homes in Breckenridge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Breckenridge has an owner-occupancy rate of 80% and a vacancy rate of 71%; unoccupied homes typically need a different coverage form.
In Breckenridge, 59% of homes are primarily heated with natural gas.
FEMA rates Summit County's overall risk as Relatively Low, led by hail (Relatively Moderate). Summit County had 317 active NFIP flood policies as of September 2026. See the full Summit 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 | $1,012,700 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Summit County | 317 |
| 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)