Home Insurance in Arapahoe County, Colorado
The median home value in Arapahoe County is $561,200, close to the Colorado median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Arapahoe County was built around 1986. About 9% of homes were built before 1960, about 7 points below Colorado's 16%.
The housing stock in Arapahoe County is 66% single-family homes, 29% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
74% of owner-occupied homes in Arapahoe County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Arapahoe County are owner-occupied.
65% of homes in Arapahoe County are primarily heated with natural gas.
Per FEMA's National Risk Index, Arapahoe County's top hazards are hail (Very High), tornado (Relatively High) and strong wind (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Arapahoe County has 773 active NFIP flood policies on file.
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 | $561,200 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top hazards (FEMA National Risk Index) | Hail (Very High), Tornado (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 773 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Towns and cities
- Aurora
- Bow Mar
- Centennial
- Cherry Hills Village
- Deer Trail
- Englewood
- Foxfield
- Glendale
- Greenwood Village
- Sheridan
Smaller communities
-
Columbine Valley
- Median home value: $1,578,900
- Median year built: 1980
- Owner-occupied share: 98%
-
Littleton
- Median home value: $630,600
- Median year built: 1982
- Owner-occupied share: 61%
Sources
- 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)