Home Insurance in Douglas County, Colorado
The median home value in Douglas County is $713,600, 32% higher than the Colorado median.
The typical home in Douglas County was built around 2002. About 1% of homes were built before 1960, about 15 points below Colorado's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Douglas County breaks down to 80% single-family homes and 18% apartments in buildings with 5+ units.
About 78% of owner-occupied homes in Douglas County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Douglas County are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Douglas County, 73% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Douglas County's top hazards are hail (Relatively High), wildfire (Relatively High) and winter weather (Very High).
As of September 2026, Douglas County has 338 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $713,600 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Wildfire (Relatively High), Winter Weather (Very High) |
| Active NFIP flood policies (county) | 338 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Towns and cities
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)