Home Insurance in Englewood, Colorado
Homes in Englewood carry a median value of $572,900 - close to the Arapahoe County median.
The typical home in Englewood was built around 1964. About 46% of homes were built before 1960, about 37 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 Englewood is 56% single-family homes, 37% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Englewood, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 49% of occupied homes in Englewood are owner-occupied.
Most homes in Englewood - 60% - are primarily heated with natural gas.
What's the biggest home insurance risk near Englewood? FEMA's National Risk Index points to hail (Very High) in Arapahoe County and 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 | $572,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 49% |
| 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)