Home Insurance in Raymer (New Raymer), Colorado
The median home value in Raymer (New Raymer) is $170,800, 64% lower than the Weld County median.
The median home in Raymer (New Raymer) was built in 1939 or earlier. About 54% of homes were built before 1960, about 42 points above Weld County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Raymer (New Raymer) is 82% single-family homes and 18% mobile or manufactured homes.
About 48% of owner-occupied homes in Raymer (New Raymer) have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Raymer (New Raymer) are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Raymer (New Raymer), 68% of homes are primarily heated with propane.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Colorado carries a statewide average premium of $2,492 per year.
Key figures
| Median home value | $170,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)