Home Insurance in Hillrose, Colorado
Homes in Hillrose carry a median value of $206,300 - 39% lower than the Morgan County median.
The typical home in Hillrose was built around 1988. About 26% of homes were built before 1960, about 7 points below Morgan County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Hillrose, the housing stock is 63% single-family homes and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
69% of owner-occupied homes in Hillrose carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Hillrose are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hillrose - 93% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Morgan County had 97 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Morgan 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 | $206,300 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)