Home Insurance in Georgetown, Colorado
With a median home value of $521,700, Georgetown is 14% lower than the Clear Creek County median.
The typical home in Georgetown was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 31% of homes were built before 1960, about 6 points above Clear Creek County's 25%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Georgetown is 63% single-family homes, 28% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
77% of owner-occupied homes in Georgetown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Georgetown has an owner-occupancy rate of 71% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Georgetown - 70% - are primarily heated with natural gas.
What's the biggest home insurance risk near Georgetown? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Clear Creek County and Clear Creek County had 83 active NFIP flood policies as of September 2026. See the full Clear Creek County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $521,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Clear Creek County | 83 |
| 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)