Home Insurance in Brighton, Colorado
With a median home value of $499,500, Brighton is close to the Adams County median.
The typical home in Brighton was built around 1999. About 14% of homes were built before 1960, in line with Adams County (13%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Brighton breaks down to 77% single-family homes, 18% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Brighton, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Brighton are owner-occupied.
78% of homes in Brighton are primarily heated with natural gas.
Adams County had 353 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). See the full Adams 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 | $499,500 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Adams County | 353 |
| 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)