Home Insurance in Woodland Park, Colorado
The median home value in Woodland Park is $549,200, 14% higher than the Teller County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Woodland Park was built around 1990. About 5% of homes were built before 1960, about 3 points below Teller County's 9%.
In Woodland Park, the housing stock is 81% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Woodland Park, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Woodland Park are owner-occupied.
In Woodland Park, 77% of homes are primarily heated with natural gas.
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.
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 | $549,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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
- Green Mountain Falls
- Palmer Lake
- Manitou Springs
- Monument
- Colorado Springs
- Larkspur
- Cripple Creek
- Victor
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)