Home Insurance in Thornton, Colorado
The median home value in Thornton is $517,500, 7% higher than the Adams County median.
The typical home in Thornton was built around 1997. 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%.
In Thornton, the housing stock is 72% single-family homes, 20% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 76% of owner-occupied homes in Thornton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Thornton are owner-occupied.
In Thornton, 70% of homes are primarily heated with natural gas.
Adams County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. 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 | $517,500 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)