Home Insurance in Ward, Colorado
Homes in Ward carry a median value of $322,200 - 57% lower than the Boulder County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Ward was built in 1939 or earlier. About 62% of homes were built before 1960, about 49 points above Boulder County's 13%.
The housing stock in Ward is 97% single-family homes.
In Ward, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 93% of occupied homes in Ward are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Ward, 58% of homes are primarily heated with propane.
Boulder County had 4,082 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). 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 | $322,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)