Home Insurance in Johnstown, Colorado
The median home value in Johnstown is $540,300, 15% higher than the Weld County median.
The typical home in Johnstown was built around 2007. About 5% of homes were built before 1960, about 7 points below Weld County's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Johnstown is 83% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
79% of owner-occupied homes in Johnstown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Johnstown are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Johnstown, 73% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Johnstown? 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 | $540,300 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)