Home Insurance in Wellington, Colorado
With a median home value of $464,200, Wellington is 18% lower than the Larimer County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Wellington was built around 2010. About 3% of homes were built before 1960, about 6 points below Larimer County's 10%.
The housing stock in Wellington is 93% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
87% of owner-occupied homes in Wellington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Wellington are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Wellington - 84% - are primarily heated with natural gas.
Larimer County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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.
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 | $464,200 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 87% |
| 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)