Home Insurance in Broomfield County, Colorado
Homes in Broomfield County carry a median value of $664,500 - 23% higher than the Colorado median.
The typical home in Broomfield County was built around 2002. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 12 points below Colorado's 16%.
Housing in Broomfield County breaks down to 66% single-family homes, 31% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Broomfield County, about 71% 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 63% of occupied homes in Broomfield County are owner-occupied.
Most homes in Broomfield County - 71% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Broomfield County's top hazards are hail (Relatively Moderate), winter weather (Relatively Moderate) and wildfire (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Broomfield County has 89 active NFIP flood policies on file.
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 | $664,500 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Winter Weather (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 89 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)