Home Insurance in Frederick, Colorado
With a median home value of $568,300, Frederick is 20% higher than the Weld County median.
The typical home in Frederick was built around 2008. About 3% of homes were built before 1960, about 9 points below Weld County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Frederick breaks down to 97% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Frederick, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Frederick has an owner-occupancy rate of 95% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Frederick, 88% of homes are primarily heated with natural gas.
Weld County had 423 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Weld County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Colorado is $2,492 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $568,300 |
|---|---|
| Median year built | 2008 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)