Home Insurance in Gilcrest, Colorado
Homes in Gilcrest carry a median value of $321,900 - 32% lower than the Weld County median.
The typical home in Gilcrest was built around 1974. About 15% of homes were built before 1960, about 3 points above Weld County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Gilcrest is 83% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Gilcrest, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Gilcrest has an owner-occupancy rate of 89% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Gilcrest - 83% - are primarily heated with natural gas.
FEMA rates Weld County's overall risk as Relatively Moderate, led by hail (Relatively High). 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 | $321,900 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)