Home Insurance in Mountain View, Colorado
Homes in Mountain View carry a median value of $596,800 - 6% lower than the Jefferson County median.
The median home in Mountain View was built in 1939 or earlier. About 84% of homes were built before 1960, about 70 points above Jefferson County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Mountain View breaks down to 90% single-family homes.
About 65% of owner-occupied homes in Mountain View have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Mountain View are owner-occupied.
83% of homes in Mountain View 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.
The statewide average premium for a standard HO-3 homeowners policy in Colorado is $2,492 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $596,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)