Home Insurance in Larkspur, Colorado
With a median home value of $163,600, Larkspur is 77% lower than the Douglas County median.
The typical home in Larkspur was built around 1981. About 23% of homes were built before 1960, about 22 points above Douglas County's 1%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Larkspur is 41% single-family homes and 55% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Larkspur, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Larkspur are owner-occupied.
Most homes in Larkspur - 97% - are primarily heated with natural gas.
Douglas County had 338 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Douglas County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $163,600 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)