Home Insurance in Edgewater, Colorado
The median home value in Edgewater is $636,900, close to the Jefferson County median.
The typical home in Edgewater was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 56% of homes were built before 1960, about 42 points above Jefferson County's 13%.
Housing in Edgewater breaks down to 53% single-family homes and 37% apartments in buildings with 5+ units.
89% of owner-occupied homes in Edgewater carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 40% of occupied homes in Edgewater are owner-occupied.
Most homes in Edgewater - 57% - are primarily heated with natural gas.
FEMA rates Jefferson County's overall risk as Relatively High, led by hail (Very High). 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.
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 | $636,900 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 89% |
| 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)