Home Insurance in Fort Collins, Colorado
Homes in Fort Collins carry a median value of $577,900 - close to the Larimer 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 Fort Collins was built around 1992. About 9% of homes were built before 1960, in line with Larimer County (10%).
In Fort Collins, the housing stock is 60% single-family homes, 29% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Fort Collins, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 52% of occupied homes in Fort Collins are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fort Collins - 66% - are primarily heated with natural gas.
What's the biggest home insurance risk near Fort Collins? FEMA's National Risk Index points to hail (Relatively High) in Larimer County and Larimer County had 1,030 active NFIP flood policies as of September 2026. See the full Larimer 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 | $577,900 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Larimer County | 1,030 |
| 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)