Home Insurance in Louisville, Colorado
With a median home value of $883,900, Louisville is 17% higher than the Boulder County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Louisville was built around 1991. About 5% of homes were built before 1960, about 7 points below Boulder County's 13%.
Housing in Louisville breaks down to 75% single-family homes, 20% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Louisville, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Louisville are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
76% of homes in Louisville are primarily heated with natural gas.
What's the biggest home insurance risk near Louisville? FEMA's National Risk Index points to hail (Relatively High) in Boulder County and 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 | $883,900 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)