Home Insurance in Sedgwick County, Colorado
The median home value in Sedgwick County is $149,000, 72% lower than the Colorado median.
The typical home in Sedgwick County was built around 1954. About 56% of homes were built before 1960, about 40 points above Colorado's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sedgwick County is 83% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Sedgwick County, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sedgwick County has an owner-occupancy rate of 72% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
65% of homes in Sedgwick County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively Low), wildfire (Very Low) and strong wind (Relatively Low) as the leading hazards for Sedgwick County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Sedgwick County has 1 active NFIP flood policy on file.
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 | $149,000 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Wildfire (Very Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)