Home Insurance in Pierce, Colorado
Homes in Pierce carry a median value of $330,400 - 30% lower than the Weld County median.
The typical home in Pierce was built around 1990. About 14% of homes were built before 1960, about 1 point above Weld County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pierce is 84% single-family homes and 16% mobile or manufactured homes.
In Pierce, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Pierce are owner-occupied.
In Pierce, 89% 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.
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 | $330,400 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)