Home Insurance in Keenesburg, Colorado
Homes in Keenesburg carry a median value of $432,900 - 8% lower than the Weld County median.
The typical home in Keenesburg was built around 2004. About 19% of homes were built before 1960, about 7 points above Weld County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Keenesburg breaks down to 89% single-family homes. The rest are 2-4 unit or other housing types.
In Keenesburg, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Keenesburg are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Keenesburg, 83% of homes are primarily heated with natural gas.
Weld County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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.
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 | $432,900 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 84% |
| 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)