Home Insurance in Jamestown, Colorado
Homes in Jamestown carry a median value of $595,900 - 21% lower than the Boulder County median.
The typical home in Jamestown was built around 1943. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 67% of homes were built before 1960, about 54 points above Boulder County's 13%.
In Jamestown, the housing stock is 91% single-family homes and 3% apartments in buildings with 5+ units.
About 90% of owner-occupied homes in Jamestown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jamestown has an owner-occupancy rate of 86% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 81% of homes in Jamestown are primarily heated with propane.
FEMA rates Boulder County's overall risk as Relatively Moderate, led by hail (Relatively High). Boulder County had 4,082 active NFIP flood policies as of September 2026. See the full Boulder County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Colorado is $2,492 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $595,900 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 90% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Boulder County | 4,082 |
| 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)