Home Insurance in Deer Trail, Colorado
The median home value in Deer Trail is $373,000, 34% lower than the Arapahoe County median.
The typical home in Deer Trail was built around 2011. About 17% of homes were built before 1960, about 8 points above Arapahoe County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Deer Trail is 87% single-family homes, 4% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 70% of owner-occupied homes in Deer Trail have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Deer Trail are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Deer Trail - 74% - 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 | $373,000 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)