Home Insurance in Ovid, Colorado
The median home value in Ovid is $84,500, 43% lower than the Sedgwick County median.
The median home in Ovid was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 84% of homes were built before 1960, about 28 points above Sedgwick County's 56%.
Housing in Ovid breaks down to 93% single-family homes and 2% mobile or manufactured homes.
In Ovid, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ovid has an owner-occupancy rate of 69% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Ovid - 82% - 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.
Sedgwick County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Sedgwick County had 1 active NFIP flood policy as of September 2026. See the full Sedgwick 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 | $84,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)