Home Insurance in Lone Tree, Colorado
The median home value in Lone Tree is $874,100, 22% higher than the Douglas County median.
The typical home in Lone Tree was built around 2004. About 0% of homes were built before 1960, about 1 point below Douglas County's 1%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Lone Tree is 51% single-family homes, 44% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Lone Tree, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lone Tree has an owner-occupancy rate of 54% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Lone Tree - 65% - 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 | $874,100 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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
- Centennial
- Castle Pines
- Parker
- Foxfield
- Greenwood Village
- Cherry Hills Village
- Englewood
- Castle Rock
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)