Home Insurance in Cripple Creek, Colorado
The median home value in Cripple Creek is $285,800, 40% lower than the Teller County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cripple Creek was built around 1979. About 38% of homes were built before 1960, about 30 points above Teller County's 9%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cripple Creek is 58% single-family homes, 21% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
71% of owner-occupied homes in Cripple Creek carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Cripple Creek are owner-occupied.
In Cripple Creek, 49% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Teller County had 43 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Teller 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
| Median home value | $285,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Teller County | 43 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Nearby towns
- Victor
- Green Mountain Falls
- Manitou Springs
- Woodland Park
- Cañon City
- Brookside
- Colorado Springs
- Williamsburg
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)