Home Insurance in Eaton, Colorado
With a median home value of $475,900, Eaton is close to the Weld County median.
The typical home in Eaton was built around 2003. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, about 5 points above Weld County's 12%.
In Eaton, the housing stock is 92% single-family homes and 1% apartments in buildings with 5+ units.
About 70% of owner-occupied homes in Eaton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Eaton are owner-occupied.
84% of homes in Eaton are primarily heated with natural gas.
What's the biggest home insurance risk near Eaton? FEMA's National Risk Index points to hail (Relatively High) in Weld County and 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.
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 | $475,900 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 95% |
| 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)