Home Insurance in Westminster, Colorado
Homes in Westminster carry a median value of $532,400 - 16% lower than the Jefferson County median.
The typical home in Westminster was built around 1987. About 8% of homes were built before 1960, about 6 points below Jefferson County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Westminster is 65% single-family homes, 30% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 72% of owner-occupied homes in Westminster have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 62% of occupied homes in Westminster are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Westminster - 69% - 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.
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 | $532,400 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)