Home Insurance in Kersey, Colorado
Homes in Kersey carry a median value of $354,600 - 25% lower than the Weld County median.
The typical home in Kersey was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 20% of homes were built before 1960, about 8 points above Weld County's 12%.
In Kersey, the housing stock is 66% single-family homes and 21% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 63% of owner-occupied homes in Kersey have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kersey has an owner-occupancy rate of 71% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
72% of homes in Kersey are primarily heated with natural gas.
What's the biggest home insurance risk near Kersey? 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.
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 | $354,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)