Home Insurance in Milliken, Colorado
The median home value in Milliken is $406,700, 14% lower than the Weld County median.
The typical home in Milliken was built around 2004. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 6% of homes were built before 1960, about 6 points below Weld County's 12%.
Housing in Milliken breaks down to 95% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Milliken, about 91% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Milliken are owner-occupied.
In Milliken, 76% of homes are primarily heated with natural gas.
FEMA rates Weld County's overall risk as Relatively Moderate, led by hail (Relatively High). 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 | $406,700 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 91% |
| 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)