Home Insurance in Greeley, Colorado
The median home value in Greeley is $402,500, 15% lower than the Weld County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Greeley was built around 1985. About 17% of homes were built before 1960, about 5 points above 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 Greeley is 63% single-family homes, 22% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
69% of owner-occupied homes in Greeley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Greeley has an owner-occupancy rate of 61% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
75% of homes in Greeley 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 | $402,500 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)