Home Insurance in Denver County, Colorado
With a median home value of $616,000, Denver County is 14% higher than the Colorado median.
The typical home in Denver County was built around 1975. About 34% of homes were built before 1960, about 18 points above Colorado's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Denver County is 49% single-family homes and 45% apartments in buildings with 5+ units.
About 73% of owner-occupied homes in Denver County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 49% of occupied homes in Denver County are owner-occupied.
61% of homes in Denver County are primarily heated with natural gas.
Per FEMA's National Risk Index, Denver County's top hazards are hail (Very High), tornado (Relatively High) and strong wind (Relatively High).
Denver County had 1,011 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $616,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top hazards (FEMA National Risk Index) | Hail (Very High), Tornado (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 1,011 |
| 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)