Home Insurance in Northglenn, Colorado
The median home value in Northglenn is $462,100, close to the Adams County median.
The typical home in Northglenn was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 5% of homes were built before 1960, about 8 points below Adams County's 13%.
The housing stock in Northglenn is 68% single-family homes and 27% apartments in buildings with 5+ units.
In Northglenn, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Northglenn has an owner-occupancy rate of 61% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Northglenn - 67% - are primarily heated with natural gas.
FEMA rates Adams County's overall risk as Relatively Moderate, led by hail (Very High). Adams County had 353 active NFIP flood policies as of September 2026. 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 | $462,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)