Home Insurance in Castle Rock, Colorado
With a median home value of $652,900, Castle Rock is 9% lower than the Douglas County median.
The typical home in Castle Rock was built around 2007. About 1% of homes were built before 1960, in line with Douglas County (1%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Castle Rock breaks down to 81% single-family homes and 17% apartments in buildings with 5+ units.
84% of owner-occupied homes in Castle Rock carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Castle Rock has an owner-occupancy rate of 79% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Castle Rock, 76% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Castle Rock? FEMA's National Risk Index points to hail (Relatively High) in Douglas County and 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.
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 | $652,900 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 84% |
| 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)