Home Insurance in Julesburg, Colorado
The median home value in Julesburg is $149,400, close to the Sedgwick County median.
The typical home in Julesburg was built around 1958. About 52% of homes were built before 1960, about 4 points below Sedgwick County's 56%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Julesburg, the housing stock is 76% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
48% of owner-occupied homes in Julesburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Julesburg are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Julesburg - 89% - are primarily heated with natural gas.
Sedgwick County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Sedgwick 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 | $149,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Sedgwick County | 1 |
| 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)