Home Insurance in Jefferson County, Colorado
The median home value in Jefferson County is $637,600, 18% higher than the Colorado median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Jefferson County was built around 1980. About 13% of homes were built before 1960, about 3 points below Colorado's 16%.
Housing in Jefferson County breaks down to 73% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 71% of owner-occupied homes in Jefferson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jefferson County has an owner-occupancy rate of 71% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Jefferson County - 72% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Jefferson County's top hazards are hail (Very High), wildfire (Relatively High) and winter weather (Very High).
As of September 2026, Jefferson County has 1,615 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $637,600 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top hazards (FEMA National Risk Index) | Hail (Very High), Wildfire (Relatively High), Winter Weather (Very High) |
| Active NFIP flood policies (county) | 1,615 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)