80836

High76

Stratton, Colorado — Kit Carson County

Pop. 1,028Median Income $55,441Median Home $174,500

2025 Estimated Premium

$3,658/yr

+21.7% from 2022 actual ($3,005)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$3,005

+4.4%

2018–2025

Nonrenewal Rate

1.81%

2018–2022

Claim Frequency

6.6%

Avg Claim Amount

$23,392

Score Breakdown

Premium Level (25%)95

Premium Trend (20%)72

Nonrenewal Risk (20%)84

Storm Exposure (15%)57

Affordability (10%)96

Flood Risk (10%)30

Storm History (5-Year Timeline)

201855 events

Property damage$311,300

8 tornado37 hail1 flood

201939 events

Property damage$29,000

4 tornado21 hail3 flood

202032 events

Property damage$10

3 tornado20 hail1 flood

202133 events

Property damage$174,000

1 tornado20 hail2 flood

202238 events

Property damage$45,500

4 tornado20 hail2 flood

202337 events

Property damage$51,000

3 tornado25 hail3 flood

202467 events

Property damage$2,000

4 tornado24 hail6 flood

202544 events

Property damage$500

3 tornado19 hail

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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.