Home Insurance in Frisco, Colorado
With a median home value of $891,400, Frisco is 5% lower than the Summit County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Frisco was built around 1989. About 2% of homes were built before 1960, in line with Summit County (3%).
Housing in Frisco breaks down to 47% single-family homes and 45% apartments in buildings with 5+ units.
In Frisco, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 61%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Frisco are owner-occupied.
In Frisco, 50% of homes are primarily heated with natural gas.
FEMA rates Summit County's overall risk as Relatively Low, led by hail (Relatively Moderate). Summit County had 317 active NFIP flood policies as of September 2026. See the full Summit County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Colorado, the statewide average premium for a standard HO-3 homeowners policy is $2,492 per year (NAIC, 2023 data).
Key figures
| Median home value | $891,400 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Summit County | 317 |
| 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)