Home Insurance in Brush, Colorado
With a median home value of $273,000, Brush is 19% lower than the Morgan County median.
The typical home in Brush was built around 1972. About 42% of homes were built before 1960, about 10 points above Morgan County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brush is 65% single-family homes, 25% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
47% of owner-occupied homes in Brush carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Brush has an owner-occupancy rate of 60% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Brush, 63% of homes are primarily heated with natural gas.
Morgan County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Morgan County had 97 active NFIP flood policies as of September 2026. See the full Morgan 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 | $273,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Morgan County | 97 |
| 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)