Home Insurance in Morrison, Colorado
The median home value in Morrison is $875,000, 37% higher than 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 Morrison was built around 1954. About 71% of homes were built before 1960, about 57 points above Jefferson County's 13%.
In Morrison, the housing stock is 93% single-family homes.
About 39% of owner-occupied homes in Morrison have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Morrison are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
89% of homes in Morrison are primarily heated with natural gas.
Jefferson County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. 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 | $875,000 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)