Home Insurance in Commerce City, Colorado
The median home value in Commerce City is $499,700, close to the Adams County median.
The typical home in Commerce City was built around 2005. About 16% of homes were built before 1960, about 3 points above Adams County's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Commerce City is 89% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Commerce City, about 79% 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 77% of occupied homes in Commerce City are owner-occupied.
75% of homes in Commerce City 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.
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 | $499,700 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)