Home Insurance in Williamsburg, Colorado
Homes in Williamsburg carry a median value of $227,000 - 30% lower than the Fremont County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Williamsburg was built around 1991. About 7% of homes were built before 1960, about 18 points below Fremont County's 25%.
In Williamsburg, the housing stock is 50% single-family homes, 1% apartments in buildings with 5+ units and 50% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Williamsburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Williamsburg has an owner-occupancy rate of 85% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Williamsburg - 67% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Fremont County had 215 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Fremont 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 | $227,000 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Fremont County | 215 |
| 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)