Home Insurance in Victor, Colorado
With a median home value of $212,100, Victor is 56% lower than the Teller County median.
The median home in Victor was built in 1939 or earlier. About 92% of homes were built before 1960, about 84 points above Teller County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Victor is 87% single-family homes, 5% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Victor, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Victor are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Victor, 48% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Teller County's overall risk as Very Low, led by wildfire (Relatively Moderate). Teller County had 43 active NFIP flood policies as of September 2026. 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 | $212,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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
- Cripple Creek
- Manitou Springs
- Green Mountain Falls
- Cañon City
- Woodland Park
- Brookside
- Williamsburg
- Florence
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)