Home Insurance in Aurora, Colorado
Homes in Aurora carry a median value of $469,100 - 16% lower than the Arapahoe County median.
The typical home in Aurora was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 2 points below Arapahoe County's 9%.
Housing in Aurora breaks down to 64% single-family homes, 29% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 75% of owner-occupied homes in Aurora have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Aurora has an owner-occupancy rate of 62% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Aurora - 62% - are primarily heated with natural gas.
FEMA rates Arapahoe County's overall risk as Relatively Moderate, led by hail (Very High). Arapahoe County had 773 active NFIP flood policies as of September 2026. See the full Arapahoe County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Colorado carries a statewide average premium of $2,492 per year.
Key figures
| Median home value | $469,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Arapahoe County | 773 |
| 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)