Home Insurance in Arvada, Colorado
With a median home value of $632,600, Arvada is close to the Jefferson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Arvada was built around 1979. About 11% of homes were built before 1960, about 2 points below Jefferson County's 13%.
The housing stock in Arvada is 77% single-family homes and 18% apartments in buildings with 5+ units.
In Arvada, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Arvada are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in Arvada are primarily heated with natural gas.
What's the biggest home insurance risk near Arvada? FEMA's National Risk Index points to hail (Very High) in Jefferson County and Jefferson County had 1,615 active NFIP flood policies as of September 2026. See the full Jefferson 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 | $632,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Jefferson County | 1,615 |
| 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)