Compare more wisely in Julesburg with an independent agency that compares carriers and explains the tradeoffs before you buy.
Julesburg, CO: the local picture
Julesburg is home to around 1,237 residents and lies within Sedgwick County.
Julesburg is not known for big-city tourism headlines, and for insurance the focus is local construction, fire protection access, and regional storm patterns.
The housing stock is largely single-family homes typical of the Sedgwick County area, but replacement cost, roof age, and construction type still explain most premium differences block by block.
On the eastern plains, hail, tornadoes, straight-line wind, and grassland fire are the local risks that shape a home quote. Roof age and the wind or hail deductible move the price.
What homeowners pay in Julesburg
The typical homeowners insurance premium in Julesburg, CO is about $2,597 annually for a typical local home (typical local home value about $230,000). For a $300,000 dwelling, expect around $3,053 per year; for a $600,000 home about $4,296; and for a $1,000,000 dwelling about $5,590. Freedom Insurance Group rates are often about 41% lower — near $1,532 per year for a typical home, roughly $1,801 for a $300,000 home, about $2,535 for a $600,000 home, and around $3,298 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,374 |
| $200,000 – $300,000 | $2,653 |
| $300,000 – $400,000 | $3,257 |
| $400,000 – $500,000 | $3,687 |
| $500,000 – $600,000 | $4,104 |
| $600,000 – $700,000 | $4,431 |
| $700,000 – $800,000 | $4,702 |
| $800,000 – $900,000 | $5,057 |
| $900,000 – $1,000,000 | $5,412 |
Band premiums are midpoints on the Julesburg dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Julesburg, CO, using a typical local home value of about $230,000. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How a homeowners policy is built
- Dwelling (Coverage A): Following a covered loss, this coverage rebuilds the structure; keep it in line with what rebuilding costs in your area today.
- Other structures (B): This part protects detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Coverage C, personal property: This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
- Coverage D, loss of use: Temporary housing and related costs while the home is being repaired after a covered claim makes it unlivable.
- Coverage E, personal liability: It responds when you are legally responsible for bodily injury or property damage to others caused by a covered incident.
- Medical payments (Coverage F): Medical bills for guests injured on your property, usually handled without any formal claim.
Ways to cut the premium in Julesburg, CO
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Discount availability and amounts differ from carrier to carrier. “Up to” is the high end, not a guarantee.
How Julesburg home insurance premiums differ
Julesburg homeowners are priced on several connected factors that underwriters check when they build a quote. The heaviest factors are typically rebuild cost, the roof’s age and material, and exposure to storms or wildfire; your deductible and claims record can move the final premium as much as the carrier brand itself.
Putting the house back with similar materials at current labor and material costs sets what replacement cost means. Since the carrier’s maximum payout climbs with the rebuild estimate, bigger estimates for Julesburg properties generally raise premiums.
Frame or masonry walls, what the roof is made of, and overall build quality all shape how the property fares against the wind, hail, and fire common across Colorado, so construction type and roof details count.
Storm, hail, wildfire, and crime scores feed into location risk, and they vary by ZIP code and neighborhood in Julesburg, so houses with comparable rebuild costs can still get different prices.
Insurers grade fire protection using the local protection class and how far away hydrants and stations are; good protection tends to mean lower pricing.
Claims history is still a major rating input: recent claims on the property or household often increase rates for Julesburg renewals and new business quotes as well.
Many insurers weigh a credit-based insurance score when state rules permit; higher scores generally bring lower prices.
Local housing and storm data: Julesburg
Census survey estimates (ACS 2020–2024) show about 647 housing units in Julesburg, and homeowners occupy about 66% of the occupied homes. Of all units, 75% are detached single-family houses and 23% are in buildings with two or more units.
The median home in Julesburg was built in 1958. Roughly 80% of homes predate 1980, which means electrical, plumbing, and roof upgrades are worth documenting for a quote.
Tornado history matters here as well: NOAA recorded 3 tornadoes starting within 10 miles of Julesburg between 2016 and 2025, the strongest rated EF0 during July 2020.
For heat, Julesburg households mostly rely on utility gas (89%) and electricity (10%).
The NOAA Storm Events Database logged 9 hail reports within about 5 miles of Julesburg from 2016 through 2025; 9 were one inch or bigger. The largest measured 2.75 inches in July 2018 near Julesburg.
From 2000 on, Sedgwick County has appeared in 4 major disaster declarations; the most recent was Covid-19 Pandemic (March 2020).
Julesburg traces its official start to 1858. The name honors Jules Beni. The Census Bureau counted 1,467 people in Julesburg at the 2000 Census and 1,225 at the 2010 Census; its July 2024 estimate is 1,223. The town has about 17% fewer people than in 2000.
Going further back, NOAA’s Storm Prediction Center counts 46 hail reports within 5 miles of Julesburg between 1955 and 2015, topped by hail of 4.5 inches on July 9, 1987. Reports of 2-inch or bigger hail number 5 in that span. NOAA Storm Prediction Center records list 22 tornadoes that began within 10 miles of Julesburg from 1950 through 2015, the strongest an F1 on June 10, 2004.
Looking at neighboring communities? See our home insurance pages for Ovid (7 mi), Sedgwick (14 mi), and Holyoke (28 mi).
ZIP codes we cover near Julesburg
80737
Bundling home and auto in Julesburg, CO
Illustrative average bundling savings, not guaranteed. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Julesburg, Colorado | $258 | $436 | $636 |
Other Colorado insurance pages
Price homeowners coverage for Julesburg, CO
Freedom Insurance Group compares 25+ carriers for Julesburg residents. Call (800) 253-1482 or begin a free home quote online.
