Home Insurance in Bow Mar, Colorado
The median home value in Bow Mar is $2,000,000+.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bow Mar was built around 1963. About 42% of homes were built before 1960, about 33 points above Arapahoe County's 9%.
The housing stock in Bow Mar is 100% single-family homes.
About 63% of owner-occupied homes in Bow Mar have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 99% of occupied homes in Bow Mar are owner-occupied.
86% of homes in Bow Mar are primarily heated with natural gas.
Arapahoe County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. 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.
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 | $2,000,000+ |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)