Home Insurance in Sedgwick, Colorado
With a median home value of $98,300, Sedgwick is 34% lower than the Sedgwick County median.
The median home in Sedgwick was built in 1939 or earlier. About 68% of homes were built before 1960, about 12 points above Sedgwick County's 56%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Sedgwick, the housing stock is 92% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sedgwick, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 89% of occupied homes in Sedgwick are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 60% of homes in Sedgwick are primarily heated with propane.
FEMA rates Sedgwick County's overall risk as Very Low, led by hail (Relatively Low). 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 | $98,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 89% |
| 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)