Home Insurance in Weld County, Colorado
With a median home value of $471,700, Weld County is 13% lower than the Colorado median.
The typical home in Weld County was built around 2001. About 12% of homes were built before 1960, about 4 points below Colorado's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Weld County is 78% single-family homes, 11% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
74% of owner-occupied homes in Weld County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Weld County are owner-occupied.
Most homes in Weld County - 73% - 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 High), tornado (Relatively High) and strong wind (Relatively High) as the leading hazards for Weld County.
Weld County had 423 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $471,700 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Tornado (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 423 |
| Home insurance premium | $2,492 - statewide average (NAIC, 2023 data) |
Towns and cities
- Ault
- Berthoud
- Dacono
- Eaton
- Erie
- Evans
- Firestone
- Fort Lupton
- Frederick
- Garden City
- Gilcrest
- Greeley
- Grover
- Hudson
- Johnstown
- Keenesburg
- Kersey
- La Salle
- Lochbuie
- Mead
- Milliken
- Nunn
- Pierce
- Platteville
- Raymer (New Raymer)
- Severance
- Windsor
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)