Home Insurance in Dillon, Colorado
With a median home value of $1,090,000, Dillon is 16% higher than the Summit County median.
The typical home in Dillon was built around 1979. About 1% of homes were built before 1960, about 2 points below Summit County's 3%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Dillon, the housing stock is 39% single-family homes and 58% apartments in buildings with 5+ units.
In Dillon, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 67%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Dillon are owner-occupied.
Most homes in Dillon - 75% - are primarily heated with natural gas.
What's the biggest home insurance risk near Dillon? FEMA's National Risk Index points to hail (Relatively Moderate) in Summit County and 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.
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 | $1,090,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)