Home Insurance in Windsor, Colorado
With a median home value of $604,000, Windsor is 28% higher than the Weld County median.
The typical home in Windsor was built around 2009. About 4% of homes were built before 1960, about 8 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.
The housing stock in Windsor is 85% single-family homes and 13% apartments in buildings with 5+ units.
About 78% of owner-occupied homes in Windsor have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Windsor are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Windsor, 78% of homes 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.
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 | $604,000 |
|---|---|
| Median year built | 2009 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)