Home Insurance in Parker, Colorado
With a median home value of $646,300, Parker is 9% lower than the Douglas County median.
The typical home in Parker was built around 2004. About 1% of homes were built before 1960, in line with Douglas County (1%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Parker breaks down to 75% single-family homes and 23% apartments in buildings with 5+ units.
In Parker, about 84% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Parker are owner-occupied.
75% of homes in Parker 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.
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 | $646,300 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 72% |
| 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
- Lone Tree
- Foxfield
- Castle Pines
- Centennial
- Castle Rock
- Greenwood Village
- Cherry Hills Village
- Elizabeth
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)