Home insurance costs & natural hazards in Colorado
Plain facts for Colorado homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Colorado at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Colorado pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Colorado ZIP code saw homeowners premiums of $2,538 per policy in 2022, 64% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 21% between 2018 and 2022. The figures come from 419 Colorado ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 9,896 single-family NFIP policies took effect in Colorado in 2025, at an average full cost of $1,117, compared with $959 in 2022. About 46% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Colorado's 64 counties FEMA rates relatively high or very high for each hazard. The most widespread are lightning, avalanche and hail. Open any county for its full hazard profile.
Hazards across Colorado's counties
Colorado counties
All 64 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Adams County | $2,692 | $591 | Relatively Moderate |
| Alamosa County | $1,699 | $626 | Very Low |
| Arapahoe County | $2,966 | $674 | Relatively Moderate |
| Archuleta County | $1,696 | $2,004 | Very Low |
| Baca County | $2,418 | — | Very Low |
| Bent County | $2,482 | — | Very Low |
| Boulder County | $3,124 | $1,156 | Relatively Moderate |
| Broomfield County | $2,798 | $498 | Very Low |
| Chaffee County | $1,655 | $1,684 | Relatively Low |
| Cheyenne County | $2,616 | — | Very Low |
| Clear Creek County | $2,388 | $2,019 | Relatively Low |
| Conejos County | $1,487 | $2,886 | Very Low |
| Costilla County | $1,614 | $1,106 | Very Low |
| Crowley County | $2,610 | — | Very Low |
| Custer County | $2,213 | — | Very Low |
| Delta County | $1,234 | $1,576 | Relatively Low |
| Denver County | $2,916 | $797 | Relatively High |
| Dolores County | $1,327 | — | Very Low |
| Douglas County | $3,422 | $656 | Relatively Moderate |
| Eagle County | $4,508 | $1,934 | Relatively Low |
| El Paso County | $2,734 | $978 | Relatively Moderate |
| Elbert County | $3,273 | $696 | Very Low |
| Fremont County | $1,861 | $1,451 | Relatively Low |
| Garfield County | $1,612 | $1,567 | Relatively Low |
| Gilpin County | $2,621 | $2,624 | Very Low |
| Grand County | $2,399 | $1,959 | Relatively Low |
| Gunnison County | $2,148 | $1,783 | Relatively Low |
| Hinsdale County | $1,850 | $1,620 | Very Low |
| Huerfano County | $2,336 | $1,549 | Very Low |
| Jackson County | $1,619 | — | Very Low |
| Jefferson County | $2,966 | $928 | Relatively High |
| Kiowa County | $2,531 | — | Very Low |
| Kit Carson County | $3,005 | — | Very Low |
| La Plata County | $1,812 | $1,513 | Relatively Low |
| Lake County | $1,858 | — | Very Low |
| Larimer County | $2,231 | $1,045 | Relatively Moderate |
| Las Animas County | $2,411 | — | Very Low |
| Lincoln County | $2,671 | — | Very Low |
| Logan County | $2,967 | $972 | Relatively Low |
| Mesa County | $1,228 | $1,038 | Relatively Low |
| Mineral County | $1,690 | — | Very Low |
| Moffat County | $1,219 | $1,345 | Very Low |
| Montezuma County | $1,231 | $1,783 | Relatively Low |
| Montrose County | $1,143 | $1,381 | Relatively Low |
| Morgan County | $2,905 | $1,685 | Relatively Low |
| Otero County | $2,439 | $1,601 | Relatively Low |
| Ouray County | $1,994 | $1,918 | Very Low |
| Park County | $2,334 | $1,612 | Very Low |
| Phillips County | $2,829 | — | Very Low |
| Pitkin County | $8,314 | $2,178 | Relatively Low |
| Prowers County | $2,578 | $1,147 | Relatively Low |
| Pueblo County | $2,534 | $956 | Relatively Moderate |
| Rio Blanco County | $1,373 | $1,634 | Very Low |
| Rio Grande County | $1,381 | $1,715 | Relatively Low |
| Routt County | $2,091 | $1,782 | Very Low |
| Saguache County | $1,380 | — | Very Low |
| San Juan County | $1,450 | — | Very Low |
| San Miguel County | $3,017 | $1,825 | Very Low |
| Sedgwick County | $2,699 | — | Very Low |
| Summit County | $3,071 | $1,440 | Relatively Low |
| Teller County | $2,476 | $771 | Very Low |
| Washington County | $2,743 | — | Very Low |
| Weld County | $2,627 | $1,129 | Relatively Moderate |
| Yuma County | $2,768 | — | Very Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Colorado homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.