Home Insurance in Superior, Colorado
With a median home value of $903,900, Superior is 20% higher than the Boulder County median.
The typical home in Superior was built around 1997. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 1% of homes were built before 1960, about 12 points below Boulder County's 13%.
The housing stock in Superior is 72% single-family homes and 22% apartments in buildings with 5+ units.
In Superior, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Superior are owner-occupied.
In Superior, 77% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Superior? 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.
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 | $903,900 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)