Home Insurance in Fort Morgan, Colorado
Homes in Fort Morgan carry a median value of $313,400 - 7% lower than the Morgan County median.
The typical home in Fort Morgan was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 37% of homes were built before 1960, about 5 points above Morgan County's 32%.
In Fort Morgan, the housing stock is 67% single-family homes, 13% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Fort Morgan, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 58% of occupied homes in Fort Morgan are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fort Morgan - 53% - 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.
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 | $313,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)