Home Insurance in Wiggins, Colorado
The median home value in Wiggins is $363,400, 7% higher than the Morgan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wiggins was built around 2011. About 6% of homes were built before 1960, about 26 points below Morgan County's 32%.
In Wiggins, the housing stock is 76% single-family homes, 1% apartments in buildings with 5+ units and 5% 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 Wiggins, about 87% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Wiggins are owner-occupied.
Most homes in Wiggins - 85% - are primarily heated with natural gas.
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.
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 | $363,400 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 87% |
| 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)