HomeTown Insurance & Financial Services, Inc.

11/03/2026

Helping a parent with groceries this week? Ask what sounds good before making the list.

A familiar meal, a few easy ingredients, and a recipe you can make together are good places to start.

Our healthy eating guide for older adults includes practical meal ideas and helpful resources for families, too.

Read the guide: https://hometowninsurancepros.com/healthy-eating-for-older-adults-simple-tips-for-2026/

And if Medicare coverage for 2027 is on your family’s to-do list, Angelene and the HomeTown team are here to help you understand your options.

11/02/2026

Recurring updates from Colorado Department of Transportation on highway situations in SW Colorado due to historic flooding in the region are featured in this post.

❗️TRAVEL ALERT | ROAD CLOSURES - Southwest & South-Central Colorado due to flooding❗️

⚠️UPDATE - 1 p.m. (11/3) - Several highways and bridges remain impassable due to significant road damage. Crews have begun temporary repairs to open roads where possible, full reconstruction will be required at some locations with no estimated time of reopening. Please visit COtrip.org for current and updated highway road closures in this area.

⚠️UPDATE - 6 a.m. (11/2) - Several closures are still in place this morning. Do not attempt to travel unless you are fleeing an area subject to flooding or under an evacuation area. Current and updated highway closures are as follows:
⛔CO 112 - Rio Grande Bridge in Del Norte
⛔CO 151 - Chimney Rock to Arboles (MP 27 to 30)
⛔US 160 - Wolf Creek Pass through South Fork (MP 157 to 187)
⛔US 160 - Downtown Pagosa Springs, no thru traffic Pike Drive to east of US 84 (MP 142 to 145)
⛔US 160 - Durango between US 550 junction and Lightner Creek Road (MP 80 to 83)
⛔US 160 - Pagosa Springs to Yellow Jacket (MP 114 to 139)
⛔CO 17 - New Mexico state line to Antonito (MP 0 to 39)
⛔US 550 - Trimble to Hermosa (MP 30 to 33)
⛔CO 90 - Utah state line to west of Bedrock (MP 0 to 10)

⚠️UPDATE - 8 p.m. (11/1) - Rivers and streams are expected to continue to rise overnight. Do not attempt to travel unless you are fleeing an area subject to flooding or under an evacuation area. Current road closures include:
⛔CO 112 - Rio Grande Bridge in Del Norte
⛔CO 141 - Dove Creek to Egnar (MP 4.5)
⛔CO 151 - Chimney Rock to Arboles (MP 27 to 30)
⛔US 160 - Wolf Creek Pass through South Fork (MP 157 to 187)
⛔US 160 - Downtown Pagosa Springs, no thru traffic Pike Drive to east of US 84 (MP 142 to 145)
⛔US 160 - Durango between the US 550 Junction and Lightner Creek Road (MP 80 to 83)
⛔US 160 - Pagosa Springs to Yellow Jacket (MP 114 to 139)
⛔CO 17 - New Mexico state line to Antonito (MP 0 to 39)
⛔CO 172 - Just south of Ignacio (MP 8 to 9)
⛔US 550 - Hermosa Bridge (MP 30 to 33)

⚠️UPDATE - 5 p.m. (11/1) - The following roadways remain closed due to flooding:
⛔CO 112 - Rio Grande Bridge in Del Norte
⛔CO 151 - Chimney Rock to Arboles (MP 27 to 30)
⛔US 160 - Wolf Creek Pass through Town of South Fork (MP 157 to 187)
⛔US 160 - Downtown Pagosa Springs, no thru traffic Pike Drive to east of US 84 (MP 142 to 145)
⛔US 160 - Pagosa Springs to Bayfield (MP 104 to 136)
⛔US 160 - Lightner Creek Road to US 550 junction (MP 80 to 83)
⛔CO 17 - New Mexico state line to Antonito (MP 0 to 39)
⛔US 172 - Just south of Ignacio (MP 8 to 9)

⚠️UPDATE - 2:30 p.m. (11/1) - The following roadways remain closed due to flooding:
⛔CO 112 - Rio Grande Bridge in Del Norte
⛔CO 151 - Chimney Rock to Arboles (MP 27 to 30)
⛔US 160 - Lightner Creek Road to US 550 junction (MP 80 to 83)
⛔US 160 - Wolf Creek Pass through Town of South Fork (MP 157 to 187)
⛔US 160 - Downtown Pagosa Springs, no thru traffic Pike Drive to east of US 84 (MP 142 to 145)
⛔US 160 - Pagosa Springs to Bayfield (MP 104 to 136)
⛔CO 17 - New Mexico state line to Antonito (MP 0 to 39)
⛔CO 172 - Elmore's Corner through Ignacio (MP 8 to 24)
⛔CO 41 - Utah state line to US 160 junction (MP 0 to 9)

🚫ROAD CLOSURES🚫 - 12:50 p.m. (11/1/26) - On Sunday flooding prompted several highway closures across Southwest and South-Central Colorado. Motorists should be prepared for additional safety closures where significant flooding is creating roadway hazards. Flooding of streams and rivers is currently ongoing and expected to persist through mid-week. Safety closures may be extended even after heavy rains have subsided due to rising water levels and highway damage.

There are several roadways closed or scheduled to close due to flooding. These include:
⛔US 160 - Wolf Creek Pass through Town of South Fork (MP 157 to 187) beginning at 2 p.m.
⛔US 160 - Downtown Pagosa Springs, no thru traffic 14th Street to US 84 beginning at 2 p.m.
⛔CO 17 - New Mexico state line to Antonito (MP 0 to 39)
⛔CO 151 - Chimney Rock to Arboles (MP 27 to 30)

🚨Follow local law enforcement and emergency agencies for information about evacuations and assistance.

🛑🚙Motorists are urged to avoid travel during flood warnings or flood watches if possible. If you must travel, avoid driving through flooded areas and never drive through closure gates or barricades.

📲Check the latest road conditions on COtrip.org or on the COtrip Planner app

11/02/2026

Keep track of HWY status
CO: cotrip.org
NM: nmroads.com

11/02/2026

With the recent flooding in Pagosa Springs, Colorado, our offices are closed Monday, November 2, and Tuesday, November 3, 2026.
Thank you for understanding.

11/01/2026

Huge shoutout to the riders competing at the Colorado League State Championships!
Way to go, Dust2 Pagosa Springs!

Good luck to all the DUST2 Pagosa Springs racers competing at Colorado League State Championships this weekend

10/29/2026

Medicare questions deserve a conversation you feel comfortable having. Before sharing information with an unexpected caller, pause and verify who you're talking to. Read HomeTown's 2026 fraud prevention tips, or call our team directly at 1-866-333-8342 for help with coverage questions.
https://hometowninsurancepros.com/medicare-fraud-open-enrollment-2026/

10/29/2026

How many different plant foods show up on your plate in a week? 🌱

Try a simple idea shared in a recent Medicare.gov email: jot them down as you go. Fruits, vegetables, beans, whole grains, nuts, and seeds all count.

Oatmeal with blueberries? That’s oats and blueberries on your list. Carrots in your soup? Add those, too.

Keep it fun, choose foods that fit your needs, and see whether you find a new favorite.

Our newest HomeTown article has more easy eating ideas and free recipe resources:
https://hometowninsurancepros.com/healthy-eating-older-adults-2026/

10/28/2026

Follow CDOT Colorado Department of Transportation for ongoing updates regarding travel alerts, closures, and openings of highways in southwest Colorado.

10/28/2026

Medicare Open Enrollment is here. Give yourself time to ask questions.

From October 15 through December 7, you can review your coverage and make certain changes for 2027. Before responding to an unfamiliar offer, start with someone you know how to reach.

Angelene, Cassidy, and the HomeTown team can help you sort through your questions and review your options. Call us directly at (970) 264-4321 to get the conversation started.

We've also put together a helpful Medicare fraud prevention guide:
https://hometowninsurancepros.com/medicare-fraud-open-enrollment-2026/

10/28/2026

Prescription drug coverage deserves careful attention during Medicare Open Enrollment.

For 2027, beneficiaries should review how their plans cover existing medications, what pharmacies are preferred, and what out-of-pocket expenses they might expect.

The lowest advertised premium doesn't always mean the lowest total cost.

Our experienced Medicare professionals at HomeTown help consumers understand these important differences and prepare for informed coverage decisions.

Read our 2027 Medicare guide:
https://hometowninsurancepros.com/medicare-open-enrollment-2027-coverage-guide/