Home Insurance in Sterling, Colorado
With a median home value of $217,400, Sterling is 11% lower than the Logan County median.
The typical home in Sterling was built around 1961. About 49% of homes were built before 1960, about 3 points above Logan County's 46%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Sterling, the housing stock is 71% single-family homes, 14% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
53% of owner-occupied homes in Sterling carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Sterling are owner-occupied.
Most homes in Sterling - 69% - are primarily heated with natural gas.
Logan County had 213 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Logan 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 | $217,400 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Logan County | 213 |
| 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)