Home Insurance in Castle Pines, Colorado
The median home value in Castle Pines is $895,500, 25% higher than the Douglas County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Castle Pines was built around 2005. About 1% of homes were built before 1960, in line with Douglas County (1%).
Housing in Castle Pines breaks down to 86% single-family homes and 11% apartments in buildings with 5+ units.
76% of owner-occupied homes in Castle Pines carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Castle Pines are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Castle Pines - 77% - are primarily heated with natural gas.
FEMA rates Douglas County's overall risk as Relatively Moderate, led by hail (Relatively High). Douglas County had 338 active NFIP flood policies as of September 2026. See the full Douglas County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Colorado is $2,492 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $895,500 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Douglas County | 338 |
| 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)