Home Insurance in Platteville, Colorado
With a median home value of $416,700, Platteville is 12% lower than the Weld County median.
The typical home in Platteville was built around 1992. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 23% of homes were built before 1960, about 11 points above Weld County's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Platteville is 75% single-family homes, 1% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
About 69% of owner-occupied homes in Platteville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Platteville are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Platteville - 78% - are primarily heated with natural gas.
Weld County had 423 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). 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 | $416,700 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)