Home Insurance in Evans, Colorado
With a median home value of $351,000, Evans is 26% 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 Evans was built around 2003. About 6% of homes were built before 1960, about 6 points below Weld County's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Evans is 68% single-family homes, 14% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 81% of owner-occupied homes in Evans have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Evans are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Evans, 81% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Evans? 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.
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 | $351,000 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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)