Colorado
Home insurance overview — 419 ZIP codes, 270 cities
Avg Premium (2025 Est.)
$3,113
+20.1% from 2022
Nonrenewal Rate
1.27%
5yr Storm Damage
$796.6M
Colorado Risk Map
Cities
| City | ZIP Codes | Avg Premium | Stress Score | Risk |
|---|---|---|---|---|
| Fountain | 3 | $3,336 | 83 | Extreme |
| Hillrose | 1 | $3,263 | 83 | Extreme |
| Ellicott | 1 | $3,311 | 82 | Extreme |
| Merino | 1 | $3,802 | 81 | Extreme |
| Monument | 1 | $4,684 | 81 | Extreme |
| Briggsdale | 1 | $3,324 | 81 | Extreme |
| Hudson | 1 | $4,220 | 80 | High |
| Log Lane Village | 1 | $2,758 | 80 | High |
| Pierce | 1 | $2,994 | 80 | High |
| Greenwood Village | 1 | $5,005 | 80 | High |
| Akron | 1 | $3,114 | 79 | High |
| Kersey | 2 | $3,438 | 78 | High |
| Cimarron Hills | 1 | $2,911 | 78 | High |
| Flagler | 1 | $3,047 | 78 | High |
| Platteville | 1 | $3,613 | 78 | High |
| Wray | 1 | $3,299 | 78 | High |
| Burlington | 1 | $3,740 | 78 | High |
| Colorado Springs | 23 | $3,359 | 78 | High |
| Cascade-Chipita Park | 2 | $3,250 | 78 | High |
| Jackson Lake | 1 | $3,513 | 77 | High |
| Deer Trail | 2 | $3,339 | 76 | High |
| Yuma | 1 | $3,158 | 76 | High |
| Manitou Springs | 1 | $3,428 | 76 | High |
| Stratton | 1 | $3,658 | 76 | High |
| Mountain Village | 1 | $8,368 | 76 | High |
| Palmer Lake | 1 | $3,366 | 75 | High |
| Idledale | 1 | $3,649 | 75 | High |
| Atwood | 1 | $4,010 | 75 | High |
| Idaho Springs | 2 | $3,046 | 75 | High |
| Ault | 1 | $2,806 | 75 | High |
| Security-Widefield | 1 | $2,961 | 75 | High |
| Nunn | 2 | $3,408 | 75 | High |
| Fort Lupton | 1 | $3,161 | 74 | High |
| Severance | 1 | $2,557 | 74 | High |
| Centennial | 4 | $3,941 | 74 | High |
| Gilcrest | 1 | $2,700 | 74 | High |
| Glendale | 1 | $3,928 | 74 | High |
| Littleton | 1 | $3,468 | 74 | High |
| Aurora | 10 | $3,305 | 74 | High |
| Fleming | 1 | $3,120 | 73 | High |
| Mead | 1 | $3,389 | 73 | High |
| Las Animas | 1 | $2,952 | 73 | High |
| Cherry Hills Village | 1 | $4,965 | 73 | High |
| Placerville | 1 | $4,370 | 72 | High |
| Woody Creek | 1 | $9,340 | 72 | High |
| Milliken | 1 | $3,023 | 72 | High |
| Evans | 2 | $3,080 | 72 | High |
| Lazy Acres | 1 | $5,890 | 72 | High |
| Black Forest | 2 | $4,314 | 72 | High |
| Franktown | 1 | $5,871 | 72 | High |
| Snowmass Village | 2 | $9,778 | 72 | High |
| Johnstown | 1 | $3,269 | 72 | High |
| Aspen Park | 2 | $4,062 | 71 | High |
| Simla | 1 | $3,212 | 71 | High |
| Lochbuie | 1 | $3,310 | 71 | High |
| Midland | 1 | $3,512 | 71 | High |
| Englewood | 1 | $2,867 | 71 | High |
| Springfield | 1 | $2,930 | 71 | High |
| Cripple Creek | 1 | $3,013 | 71 | High |
| Frederick | 1 | $2,711 | 71 | High |
| Eldora | 1 | $3,872 | 71 | High |
| Lone Tree | 1 | $4,844 | 70 | High |
| Brush | 1 | $3,412 | 70 | High |
| Julesburg | 1 | $3,211 | 70 | High |
| Ordway | 1 | $3,001 | 70 | High |
| Fowler | 1 | $2,731 | 70 | High |
| Comanche Creek | 1 | $3,552 | 70 | High |
| Parker | 2 | $4,160 | 70 | High |
| Firestone | 2 | $2,940 | 70 | High |
| Kittredge | 1 | $3,127 | 70 | High |
| Castle Rock | 2 | $3,758 | 69 | High |
| Hugo | 1 | $2,924 | 69 | High |
| Bennett | 1 | $3,534 | 69 | High |
| Castle Pines | 1 | $4,543 | 69 | High |
| Keenesburg | 1 | $3,633 | 69 | High |
| Ponderosa Park | 1 | $4,183 | 69 | High |
| Timnath | 1 | $3,148 | 69 | High |
| Hot Sulphur Springs | 1 | $2,634 | 69 | High |
| Eldorado Springs | 2 | $3,309 | 69 | High |
| Windsor | 1 | $2,980 | 69 | High |
| Eagle | 1 | $3,660 | 69 | High |
| Erie | 1 | $3,403 | 68 | High |
| Cheyenne Wells | 1 | $3,049 | 68 | High |
| Wiggins | 2 | $3,429 | 68 | High |
| Brighton | 1 | $3,174 | 68 | High |
| Granby | 1 | $3,125 | 68 | High |
| Indian Hills | 1 | $3,897 | 68 | High |
| Grand Lake | 1 | $2,996 | 68 | High |
| Central City | 1 | $2,999 | 68 | High |
| Ophir | 1 | $2,940 | 68 | High |
| Peoria | 1 | $3,716 | 68 | High |
| Fort Morgan | 1 | $3,453 | 68 | High |
| Haxtun | 1 | $3,191 | 68 | High |
| Greeley | 2 | $2,906 | 68 | High |
| La Veta | 1 | $3,011 | 67 | High |
| Eaton | 1 | $3,407 | 67 | High |
| Silverthorne | 1 | $3,919 | 67 | High |
| Golden | 1 | $4,218 | 67 | High |
| Crawford | 1 | $2,003 | 67 | High |
| Otis | 1 | $3,188 | 67 | High |
| Kiowa | 1 | $3,832 | 67 | High |
| Evergreen | 2 | $4,112 | 67 | High |
| Dakota Ridge | 2 | $4,174 | 67 | High |
| Weston | 1 | $2,790 | 67 | High |
| Lafayette | 1 | $3,489 | 67 | High |
| Crested Butte | 2 | $3,560 | 67 | High |
| Sterling | 1 | $3,106 | 67 | High |
| Rocky Ford | 1 | $2,893 | 66 | High |
| Minturn | 2 | $2,965 | 66 | High |
| Alma | 1 | $2,921 | 66 | High |
| Aspen | 1 | $15,302 | 66 | High |
| Berthoud | 1 | $2,899 | 66 | High |
| Louisville | 1 | $3,985 | 66 | High |
| Glenwood Springs | 1 | $2,452 | 66 | High |
| Dacono | 1 | $2,813 | 66 | High |
| Avondale | 1 | $3,019 | 66 | High |
| Commerce City | 2 | $3,093 | 66 | High |
| Estes Park | 2 | $2,583 | 66 | High |
| Boulder | 4 | $4,479 | 66 | High |
| Highlands Ranch | 3 | $3,977 | 66 | High |
| Wolcott | 1 | $7,857 | 66 | High |
| Beulah Valley | 1 | $3,425 | 65 | High |
| Westminster | 4 | $3,163 | 65 | High |
| Woodland Park | 1 | $3,414 | 65 | High |
| Boone | 1 | $2,968 | 65 | High |
| Limon | 1 | $3,056 | 65 | High |
| Loghill Village | 1 | $2,521 | 65 | High |
| Tabernash | 1 | $3,738 | 65 | High |
| Fairplay | 2 | $2,677 | 65 | High |
| Olney Springs | 1 | $3,127 | 65 | High |
| Manzanola | 1 | $2,680 | 65 | High |
| El Moro | 1 | $2,664 | 64 | High |
| Broomfield | 2 | $3,417 | 64 | High |
| Loveland | 3 | $2,526 | 64 | High |
| Berkley | 1 | $2,773 | 64 | High |
| Florissant | 2 | $2,955 | 64 | High |
| Denver | 26 | $3,629 | 64 | High |
| Winter Park | 1 | $4,224 | 64 | High |
| La Junta | 1 | $2,828 | 64 | High |
| Black Hawk | 1 | $3,206 | 64 | High |
| Steamboat Springs | 2 | $4,067 | 64 | High |
| Perry Park | 1 | $5,773 | 64 | High |
| Lamar | 1 | $3,054 | 64 | High |
| Coaldale | 2 | $2,524 | 63 | High |
| Mount Crested Butte | 1 | $4,440 | 63 | High |
| Avon | 1 | $7,218 | 63 | High |
| Lynn | 1 | $2,936 | 63 | High |
| Thornton | 5 | $3,136 | 63 | High |
| Roxborough Park | 3 | $4,083 | 63 | High |
| Lakewood | 6 | $3,221 | 63 | High |
| Ouray | 2 | $1,991 | 63 | High |
| Copper Mountain | 1 | $3,872 | 63 | High |
| Bark Ranch | 1 | $3,482 | 63 | High |
| Guffey | 1 | $3,157 | 63 | High |
| Arvada | 5 | $3,431 | 63 | High |
| Wheat Ridge | 1 | $3,042 | 63 | High |
| Breckenridge | 2 | $3,893 | 63 | High |
| Fraser | 1 | $3,683 | 62 | High |
| Gunnison | 2 | $2,264 | 62 | High |
| Coal Creek | 2 | $3,033 | 62 | High |
| Columbine | 2 | $3,765 | 62 | High |
| Downieville-Lawson-Dumont | 1 | $3,169 | 62 | High |
| Longmont | 2 | $3,226 | 62 | High |
| Eads | 1 | $2,929 | 62 | High |
| San Luis | 1 | $1,977 | 62 | High |
| Allenspark | 2 | $3,350 | 62 | High |
| Wellington | 1 | $2,656 | 62 | High |
| Nucla | 1 | $1,256 | 62 | High |
| Red Feather Lakes | 1 | $2,102 | 62 | High |
| Parshall | 1 | $2,781 | 62 | High |
| Antonito | 1 | $2,198 | 62 | High |
| Walsenburg | 1 | $2,533 | 61 | High |
| Fort Collins | 6 | $2,800 | 61 | High |
| Georgetown | 2 | $2,657 | 61 | High |
| Blanca | 1 | $1,804 | 61 | High |
| Keystone | 1 | $3,740 | 61 | High |
| New Castle | 1 | $2,000 | 61 | High |
| Durango | 3 | $2,321 | 61 | High |
| Pueblo | 6 | $2,822 | 61 | High |
| Sanford | 1 | $1,856 | 60 | Elevated |
| Yampa | 1 | $2,158 | 60 | Elevated |
| Rollinsville | 1 | $3,626 | 60 | Elevated |
| Edwards | 1 | $6,728 | 60 | Elevated |
| Dinosaur | 1 | $1,398 | 60 | Elevated |
| Louviers | 1 | $2,932 | 60 | Elevated |
| Colorado City | 2 | $2,828 | 60 | Elevated |
| Silt | 1 | $1,769 | 59 | Elevated |
| Florence | 2 | $2,466 | 59 | Elevated |
| Laporte | 2 | $2,855 | 59 | Elevated |
| Vail | 1 | $7,324 | 59 | Elevated |
| Holyoke | 1 | $3,240 | 59 | Elevated |
| Wiley | 1 | $2,736 | 59 | Elevated |
| El Jebel | 1 | $3,228 | 59 | Elevated |
| Gypsum | 1 | $2,273 | 58 | Elevated |
| Piedra | 1 | $2,200 | 58 | Elevated |
| Empire | 1 | $2,514 | 58 | Elevated |
| Hartsel | 1 | $2,395 | 58 | Elevated |
| Pitkin | 1 | $2,003 | 57 | Elevated |
| Silverton | 1 | $1,753 | 57 | Elevated |
| Walden | 2 | $1,860 | 57 | Elevated |
| Lazear | 1 | $1,599 | 57 | Elevated |
| Fort Garland | 1 | $2,018 | 57 | Elevated |
| Walsh | 1 | $2,596 | 57 | Elevated |
| Rockvale | 1 | $2,141 | 57 | Elevated |
| Oak Creek | 1 | $3,164 | 56 | Elevated |
| Norwood | 1 | $1,890 | 56 | Elevated |
| Battlement Mesa | 1 | $1,576 | 56 | Elevated |
| Gardner | 1 | $2,365 | 56 | Elevated |
| Ramah | 2 | $3,210 | 56 | Elevated |
| Collbran | 1 | $1,741 | 56 | Elevated |
| Basalt | 1 | $4,525 | 56 | Elevated |
| Moffat | 1 | $1,579 | 55 | Elevated |
| Victor | 1 | $2,471 | 55 | Elevated |
| Pueblo West | 1 | $3,002 | 55 | Elevated |
| Kremmling | 1 | $2,569 | 54 | Elevated |
| Swink | 1 | $3,027 | 54 | Elevated |
| Arboles | 1 | $1,725 | 54 | Elevated |
| City of Creede | 1 | $1,909 | 54 | Elevated |
| Naturita | 1 | $1,214 | 53 | Elevated |
| La Jara | 1 | $1,717 | 53 | Elevated |
| Nathrop | 1 | $2,306 | 53 | Elevated |
| Bayfield | 1 | $1,902 | 53 | Elevated |
| South Fork | 1 | $2,029 | 53 | Elevated |
| Southern Ute | 1 | $1,565 | 53 | Elevated |
| Rico | 1 | $1,552 | 53 | Elevated |
| Hayden | 1 | $1,876 | 52 | Elevated |
| Silver Plume | 1 | $2,219 | 51 | Elevated |
| Cedaredge | 1 | $1,513 | 51 | Elevated |
| Silver Cliff | 1 | $2,407 | 51 | Elevated |
| Crestone | 2 | $2,051 | 51 | Elevated |
| Twin Lakes | 1 | $2,374 | 51 | Elevated |
| Leadville North | 1 | $2,079 | 51 | Elevated |
| Howard | 1 | $2,476 | 51 | Elevated |
| Manassa | 1 | $1,762 | 51 | Elevated |
| Lewis | 2 | $1,478 | 50 | Elevated |
| Cañon City | 1 | $2,127 | 50 | Elevated |
| Maysville | 1 | $2,020 | 49 | Elevated |
| Holly | 1 | $2,934 | 49 | Elevated |
| Penrose | 1 | $2,330 | 49 | Elevated |
| Buena Vista | 1 | $2,028 | 49 | Elevated |
| Paonia | 1 | $1,522 | 49 | Elevated |
| Bonanza | 1 | $2,338 | 48 | Elevated |
| Palisade | 2 | $1,714 | 47 | Elevated |
| Cathedral | 1 | $2,203 | 46 | Elevated |
| Poncha Springs | 1 | $1,854 | 46 | Elevated |
| Orchard City | 2 | $1,385 | 46 | Elevated |
| Mancos | 1 | $1,764 | 46 | Elevated |
| Alamosa | 1 | $1,664 | 45 | Elevated |
| Saguache | 1 | $1,426 | 44 | Elevated |
| Fruita | 3 | $1,463 | 44 | Elevated |
| Phippsburg | 1 | $1,796 | 43 | Elevated |
| Delta | 1 | $1,311 | 43 | Elevated |
| Meeker | 1 | $1,667 | 43 | Elevated |
| Rifle | 1 | $1,600 | 42 | Elevated |
| Rangely | 1 | $1,257 | 42 | Elevated |
| Montrose | 2 | $1,378 | 42 | Elevated |
| Dolores | 1 | $1,537 | 41 | Elevated |
| Dove Creek | 2 | $1,272 | 41 | Elevated |
| Cortez | 1 | $1,221 | 41 | Elevated |
| Olathe | 1 | $1,361 | 40 | Moderate |
| Redlands | 1 | $1,579 | 40 | Moderate |
| Monte Vista | 1 | $1,347 | 40 | Moderate |
| Del Norte | 1 | $1,613 | 40 | Moderate |
| Craig | 1 | $1,432 | 39 | Moderate |
| Orchard Mesa | 2 | $1,460 | 36 | Moderate |
| De Beque | 1 | $1,388 | 35 | Moderate |
| Loma | 1 | $1,526 | 35 | Moderate |
| Center | 1 | $1,317 | 33 | Moderate |
| Grand Junction | 4 | $1,270 | 33 | Moderate |
| Clifton | 1 | $1,116 | 32 | Moderate |
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Highest Risk ZIPs
Data Sources & Methodology
Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.
2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.