Home Insurance in Ault, Colorado
Homes in Ault carry a median value of $359,100 - 24% lower than the Weld County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Ault was built around 1989. About 31% of homes were built before 1960, about 19 points above Weld County's 12%.
In Ault, the housing stock is 79% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
70% of owner-occupied homes in Ault carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ault has an owner-occupancy rate of 87% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Ault - 78% - are primarily heated with natural gas.
Weld County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Weld County had 423 active NFIP flood policies as of September 2026. See the full Weld 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 | $359,100 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Weld County | 423 |
| 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)