Home Insurance in Larimer County, Colorado
The median home value in Larimer County is $569,100, 6% higher than the Colorado median.
The typical home in Larimer County was built around 1993. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 10% of homes were built before 1960, about 6 points below Colorado's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Larimer County is 72% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 68% of owner-occupied homes in Larimer County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Larimer County has an owner-occupancy rate of 64% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
69% of homes in Larimer County are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively High), winter weather (Very High) and wildfire (Relatively High) as the leading hazards for Larimer County.
Larimer County had 1,030 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $569,100 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Winter Weather (Very High), Wildfire (Relatively High) |
| Active NFIP flood policies (county) | 1,030 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)