Shop with more confidence in Sedgwick with an independent agency that compares carriers and explains the tradeoffs before you buy.
What makes Sedgwick, CO stand out
Sedgwick is a small community of about 148 residents and lies within Sedgwick County.
Sedgwick lacks big-city tourism headlines, so what matters for insurance is local construction, fire protection access, and regional storm patterns.
The housing stock is a mix of single-family homes typical of the Sedgwick County area, and replacement cost, roof age, and construction type still account for most premium differences from one house to the next.
On the eastern plains, hail, tornadoes, straight-line wind, and grassland fire are the local risks that move a home quote. Roof age and the wind or hail deductible move the price.
Average home insurance cost in Sedgwick
The typical homeowners insurance premium in Sedgwick, CO is about $3,542 annually for a typical local home (typical local home value about $400,000). For a $300,000 dwelling, expect around $3,124 per year; for a $600,000 home about $4,396; and for a $1,000,000 dwelling about $5,720. Freedom Insurance Group rates are often about 40% lower — near $2,125 per year for a typical home, roughly $1,874 for a $300,000 home, about $2,638 for a $600,000 home, and around $3,432 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,429 |
| $200,000 – $300,000 | $2,715 |
| $300,000 – $400,000 | $3,333 |
| $400,000 – $500,000 | $3,773 |
| $500,000 – $600,000 | $4,200 |
| $600,000 – $700,000 | $4,534 |
| $700,000 – $800,000 | $4,811 |
| $800,000 – $900,000 | $5,174 |
| $900,000 – $1,000,000 | $5,537 |
Band premiums are midpoints on the Sedgwick dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Sedgwick, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 40% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Coverage basics for homeowners
- Coverage A, dwelling: It pays to rebuild the structure of your home after a covered loss, and it should match what rebuilding costs locally right now.
- Other structures (Coverage B): This part protects detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
- Personal property (Coverage C): Pays for belongings in the home: furniture, clothing, and everyday items. Valuables like jewelry can be subject to special limits.
- Coverage D, loss of use: Extra living expenses during repairs after a covered claim leaves it uninhabitable.
- Coverage E, personal liability: It responds when you are legally responsible for injuring someone or damaging their property resulting from a covered incident.
- Coverage F, medical payments: For guests injured on your property, it helps with their medical bills, usually without a liability claim being filed.
Home insurance discounts in Sedgwick, 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% |
Discounts are not uniform across carriers, and sizes vary. “Up to” is the high end, not a guarantee.
How Sedgwick home insurance quotes differ
Carriers price a Sedgwick homeowners quote from several interlocking factors that work together. The deductible you choose and your claims history can move the final premium as much as the carrier brand itself, but rebuild cost, roof age and material, and storm or wildfire exposure typically matter most.
Consider replacement cost as what rebuilding would cost the house with comparable materials at today’s labor and material prices. Larger rebuild estimates for Sedgwick properties usually push up premiums because the carrier’s maximum payout grows with that figure.
Construction type and roof details round out the list: carriers want to know frame versus masonry construction, what covers the roof, and how solidly the home is built, since those details affect how it fares in the wind, hail, and fire seen across Colorado.
Location risk captures storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Sedgwick, so two homes with similar rebuild costs may still price differently.
Fire protection counts as well: a nearby hydrant, a close fire station, and a good protection class rating can each help the premium.
Claims history is still a major rating input: recent claims on the property or household tend to raise rates for Sedgwick renewals and new business quotes too.
Credit-based insurance score, where state law permits, is one more factor; better scores generally line up with lower prices when the carrier uses it.
Sedgwick housing stock and storm history
From 2000 on, Sedgwick County has appeared in 4 major disaster declarations; the most recent is Covid-19 Pandemic (March 2020).
The NOAA Storm Events Database logged 9 hail reports within about 5 miles of Sedgwick from 2016 through 2025; 8 were one inch or bigger. The largest was 2.75 inches in May 2019 around Sedgwick.
Tornadoes are part of the picture too: NOAA recorded 2 tornadoes touching down within 10 miles of Sedgwick over 2016–2025, the strongest rated EFU in June 2022.
The Census Bureau’s 2020–2024 American Community Survey counts about 110 housing units in Sedgwick, and homeowners occupy close to 89% of the occupied homes. By structure type, 92% are detached single-family houses and 8.2% are mobile homes.
The median home in Sedgwick was built in 1938. About 78% of homes predate 1980, so system and roof updates can change eligibility and price.
For heat, Sedgwick households mostly rely on propane or other bottled gas (60%), electricity (25%), and wood (8.0%). Propane tanks and wood stoves should be disclosed when you apply, because they can affect eligibility.
Sedgwick’s population went from 191 at the 2000 Census to 146 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 164. That is roughly 14% fewer residents than in 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 31 hail reports within 5 miles of Sedgwick between 1955 and 2015, the largest 2.75 inches on June 8, 1991. Reports of 2-inch or bigger hail number 5 in that span. The NOAA Storm Prediction Center database shows 16 tornadoes that began within 10 miles of Sedgwick from 1950 through 2015; the strongest was an F3 on June 27, 1960. That tornado’s record lists 2 deaths and 3 injuries.
Shopping around the area? See our home insurance pages for Ovid (7 mi), Julesburg (14 mi), and Crook (15 mi).
ZIP codes we cover in and around Sedgwick
80749
Sedgwick, CO bundling home and auto
The figures below show average bundling savings, not a quote. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Sedgwick, Colorado | $258 | $436 | $636 |
See more Colorado insurance resources
Sedgwick, CO home insurance quotes
Freedom Insurance Group compares 25+ carriers for Sedgwick residents. Begin a home quote online or call (800) 253-1482.
