Home Insurance in Mead, Colorado
The median home value in Mead is $585,100, 24% higher than the Weld County median.
The typical home in Mead was built around 2006. About 3% of homes were built before 1960, about 9 points below 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 Mead breaks down to 96% single-family homes and 4% apartments in buildings with 5+ units.
About 82% of owner-occupied homes in Mead have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 94% of occupied homes in Mead are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Mead, 85% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Mead? 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 | $585,100 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)