Home Insurance in Fort Lupton, Colorado
With a median home value of $416,000, Fort Lupton is 12% lower than the Weld County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fort Lupton was built around 1980. About 23% of homes were built before 1960, about 11 points above Weld County's 12%.
The housing stock in Fort Lupton is 83% single-family homes, 4% 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.
78% of owner-occupied homes in Fort Lupton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Fort Lupton are owner-occupied.
In Fort Lupton, 74% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Fort Lupton? 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 | $416,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)