Colorado Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 418 ZIP codes in Colorado (CO).

The verdict

According to U.S. Treasury FIO filings, Colorado ranks #3 of 51 by average premium ($2,591/yr) ≠ #16 of 50 by nonrenewal (1.27%). Cost rank is not withdrawal rank.

$2,591
State avg premium (#3 of 51): #16
Nonrenewal of 50 (1.27%): 81611
In-state premium ZIP #1 ($11,843): 80705
In-state nonrenewal ZIP #1 (2.34%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Colorado vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$2,591 Higher than most lower premium than 4% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Colorado pay an average of $2,591 per year for home insurance - 46% above the national average of $1,776. That ranks Colorado as the 3rd most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 21.4%; nonrenewal rates climbed by 25.5% over the same period.

On five-year premium growth (2018–2022), Colorado ranks 2nd out of 51 states. Its nonrenewal rate (1.27%) ranks 16th out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Colorado Compares

vs National Average

$2,591 vs $1,776

46% above national avg

Rank Among States

3rd of 51

most expensive for homeowners insurance

Loss Ratio vs National

50.9% vs 58.0%

insurers retain more margin here

Avg Premium

$2,591/yr

National avg: $1,776 (+46% above)

Premium Change

+21.4%

2018-2022 change

Avg Loss Ratio

50.9%

Claims paid vs premiums earned

Nonrenewal Rate

1.27%

+25.5% change

Data Snapshot: Colorado Homeowners Insurance

Across the 418 Colorado ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $2,591. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Colorado homeowner pays, gives $2,858 per year. That is 46% above the national average of $1,776 per year reported by the Federal Insurance Office. Colorado ranks 3rd most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $969 in 81501 to $11,843 in 81611.

Between 2018 and 2022, average premiums rose by 21.4% in Colorado, placing the state 2nd nationally on five-year premium growth. The state-level loss ratio averaged 50.9%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 1.27% across the ZIP codes that report one, a climb of 25.5% over the study period (ranking 16th out of 50 states).

Within Colorado, premium dispersion across ZIP codes is substantial: the most expensive ZIP (81611 in Aspen) charges 1122% more than the least expensive (81501 in Grand Junction), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Colorado

Colorado statewide - FIO 2018-2022 average: 51% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

418

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$2,134	$2,099	99.0%	11.22%	1.01%
2019	$2,209 (+3.5%)	$2,177	66.5%	9.30%	0.86%
2020	$2,298 (+4.0%)	$2,268	66.5%	6.56%	0.75%
2021	$2,424 (+5.5%)	$2,360	48.0%	5.04%	1.09%
2022	$2,591 (+6.9%)	$2,535	50.9%	5.29%	1.27%

Average homeowners premium per year in Colorado.

Most Expensive ZIP Codes in Colorado

Most Affordable ZIP Codes in Colorado

All ZIP Codes in Colorado

418 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
81611	Aspen	$11,843	20.5%	5.90%	0.54%
81615	Snowmass Village	$8,599	21.1%	4.37%	0.64%
81656	Woody Creek	$8,314	26.6%	8.59%	0.78%
81654	Snowmass	$7,116	57.1%	3.87%	1.38%
81435	Telluride	$6,760	18.4%	3.39%	1.49%
81655	Wolcott	$6,496	13.6%	7.88%	1.21%
81657	Vail	$5,955	36.4%	3.58%	0.55%
81620	Avon	$5,822	49.4%	4.11%	0.70%
81632	Edwards	$5,320	29.7%	4.37%	0.59%
80116	Franktown	$4,693	24.7%	4.12%	1.26%
80302	Boulder	$4,647	130.9%	7.81%	1.22%
80118	Larkspur	$4,598	35.9%	5.79%	0.89%
80218	Denver	$4,275	11.0%	4.78%	0.54%
80111	Englewood	$4,189	27.1%	5.05%	1.31%
80113	Englewood	$4,188	32.6%	6.44%	0.88%
80135	Sedalia	$4,180	23.4%	4.61%	0.45%
80206	Denver	$4,109	21.5%	5.28%	0.79%
80439	Evergreen	$4,104	30.0%	5.15%	1.29%
80304	Boulder	$4,076	31.1%	7.15%	0.95%
80230	Denver	$4,073	26.5%	7.97%	0.76%
80209	Denver	$4,020	27.8%	5.54%	0.78%
80124	Lone Tree	$4,016	22.3%	4.42%	1.47%
80424	Breckenridge	$3,939	28.3%	2.95%	0.74%
80246	Denver	$3,908	35.5%	8.26%	0.72%
80108	Castle Rock	$3,882	21.9%	4.24%	2.22%
80121	Littleton	$3,868	21.5%	5.77%	0.75%
80132	Monument	$3,787	22.8%	4.51%	1.26%
80906	Colorado Springs	$3,766	44.3%	8.20%	1.53%
80908	Colorado Springs	$3,753	29.0%	4.04%	1.22%
81621	Basalt	$3,696	23.0%	2.98%	0.37%
81430	Placerville	$3,648	5.9%	1.23%	1.48%
81225	Crested Butte	$3,644	32.1%	1.77%	0.88%
80138	Parker	$3,619	40.5%	6.31%	1.65%
80137	Watkins	$3,616	65.5%	8.33%	0.36%
80016	Aurora	$3,601	76.2%	12.80%	1.74%
80487	Steamboat Springs	$3,599	27.1%	2.50%	0.54%
80303	Boulder	$3,596	1693.5%	18.85%	1.04%
80126	Littleton	$3,561	42.8%	9.56%	1.46%
80301	Boulder	$3,559	52.2%	9.01%	0.79%
80107	Elizabeth	$3,503	39.2%	4.31%	1.53%
80465	Morrison	$3,478	43.5%	6.14%	1.67%
80921	Colorado Springs	$3,474	17.2%	3.07%	1.88%
80433	Conifer	$3,433	61.1%	4.95%	1.70%
80401	Golden	$3,433	30.1%	4.94%	1.13%
80106	Elbert	$3,416	96.6%	6.57%	1.01%
80926	Colorado Springs	$3,398	42.1%	8.21%	0.75%
80025	Eldorado Springs	$3,384	26.9%	6.35%	1.59%
80235	Denver	$3,378	18.3%	5.50%	1.06%
80642	Hudson	$3,365	37.4%	3.47%	1.47%
80220	Denver	$3,361	25.6%	6.52%	0.86%
80127	Littleton	$3,352	42.7%	7.63%	0.99%
80210	Denver	$3,340	27.3%	5.54%	1.06%
80482	Winter Park	$3,328	18.0%	3.29%	0.51%
80919	Colorado Springs	$3,325	53.3%	9.91%	0.83%
80929	Colorado Springs	$3,312	26.9%	8.64%	1.23%
80007	Arvada	$3,311	74.8%	11.76%	1.71%
80101	Agate	$3,286	3.8%	1.20%	N/A
80134	Parker	$3,282	33.0%	5.58%	1.98%
80930	Colorado Springs	$3,272	13.9%	4.97%	0.62%
80403	Golden	$3,264	74.2%	11.48%	1.51%
80117	Kiowa	$3,261	81.8%	9.85%	1.27%
80123	Littleton	$3,242	30.7%	5.47%	0.85%
80109	Castle Rock	$3,226	17.5%	3.90%	2.00%
80130	Littleton	$3,225	18.5%	4.42%	1.66%
80741	Merino	$3,219	36.3%	5.47%	3.91%
80237	Denver	$3,218	30.8%	7.42%	0.76%
80722	Atwood	$3,206	7.1%	3.39%	1.69%
80231	Denver	$3,203	66.5%	11.25%	0.57%
80203	Denver	$3,201	45.3%	6.97%	1.02%
80027	Louisville	$3,193	3024.2%	66.27%	1.14%
81224	Crested Butte	$3,167	41.6%	1.89%	0.54%
80503	Longmont	$3,151	16.3%	3.19%	0.98%
80125	Littleton	$3,151	29.1%	3.60%	1.66%
80129	Littleton	$3,150	35.7%	8.34%	1.40%
80454	Indian Hills	$3,146	15.1%	3.93%	1.31%
80652	Roggen	$3,145	31.0%	5.32%	1.06%
80305	Boulder	$3,129	51.9%	10.58%	0.72%
80498	Silverthorne	$3,128	21.2%	3.52%	1.04%
80103	Byers	$3,122	39.0%	5.98%	1.41%
80112	Englewood	$3,120	21.4%	4.79%	0.75%
80466	Nederland	$3,119	26.0%	3.03%	1.35%
80238	Denver	$3,111	13.4%	3.33%	1.64%
80122	Littleton	$3,106	38.3%	7.13%	0.85%
80624	Gill	$3,101	34.1%	8.28%	1.27%
80102	Bennett	$3,092	62.2%	12.81%	1.26%
80807	Burlington	$3,086	219.1%	40.00%	2.19%
80864	Yoder	$3,069	64.0%	10.68%	2.91%
80104	Castle Rock	$3,069	24.2%	3.94%	1.60%
80453	Idledale	$3,056	12.6%	8.57%	4.76%
80920	Colorado Springs	$3,045	27.1%	8.04%	0.82%
80015	Aurora	$3,043	38.3%	7.85%	1.20%
80643	Keenesburg	$3,040	51.9%	8.55%	0.85%
80612	Carr	$3,039	201.5%	9.35%	0.72%
80470	Pine	$3,025	18.4%	3.01%	1.26%
80455	Jamestown	$3,024	14.0%	2.92%	1.75%
80733	Hillrose	$3,022	0.1%	1.10%	2.20%
80443	Frisco	$3,014	16.4%	2.35%	0.78%
80128	Littleton	$3,013	62.6%	10.96%	0.91%
80435	Dillon	$3,013	39.5%	4.27%	0.71%
80023	Broomfield	$3,012	14.5%	3.65%	1.53%
80836	Stratton	$3,005	51.6%	6.63%	1.81%
80602	Brighton	$3,003	13.8%	2.78%	1.17%
80831	Peyton	$2,987	74.7%	11.67%	1.74%
80005	Arvada	$2,977	39.3%	7.68%	0.90%
80136	Strasburg	$2,972	39.5%	5.18%	1.40%
80014	Aurora	$2,966	50.4%	8.09%	1.20%
80227	Denver	$2,954	21.4%	5.04%	0.72%
81631	Eagle	$2,954	48.8%	3.47%	1.04%
80651	Platteville	$2,943	6.5%	2.57%	1.43%
80247	Denver	$2,934	44.2%	10.86%	0.99%
81023	Beulah	$2,933	82.8%	7.28%	2.57%
80442	Fraser	$2,931	12.1%	1.34%	0.54%
80653	Weldona	$2,931	47.2%	5.52%	2.45%
80611	Briggsdale	$2,926	10.1%	5.83%	3.33%
80701	Fort Morgan	$2,916	35.6%	5.60%	1.12%
80224	Denver	$2,916	42.0%	7.94%	0.91%
80120	Littleton	$2,913	23.3%	5.64%	0.89%
80425	Buffalo Creek	$2,908	37.3%	3.88%	0.97%
80723	Brush	$2,895	35.3%	6.92%	1.19%
80478	Tabernash	$2,887	15.6%	2.12%	0.77%
80428	Clark	$2,886	2.3%	0.88%	1.54%
80832	Ramah	$2,881	95.0%	6.16%	0.68%
80234	Denver	$2,866	30.9%	5.10%	0.76%
80809	Cascade	$2,859	7.7%	2.92%	1.09%
80215	Denver	$2,853	23.0%	4.72%	1.20%
80808	Calhan	$2,852	157.3%	17.98%	2.15%
80734	Holyoke	$2,850	38.2%	6.28%	0.74%
80833	Rush	$2,847	42.0%	8.42%	1.05%
80540	Lyons	$2,843	19.8%	3.49%	1.03%
80829	Manitou Springs	$2,837	24.8%	5.27%	0.81%
80026	Lafayette	$2,835	15.9%	3.84%	1.19%
81006	Pueblo	$2,826	42.6%	10.93%	0.98%
80928	Colorado Springs	$2,817	33.6%	4.79%	2.13%
80241	Thornton	$2,814	28.2%	4.41%	0.67%
80207	Denver	$2,812	84.7%	15.31%	1.02%
80731	Haxtun	$2,808	18.9%	3.51%	2.11%
80211	Denver	$2,808	21.1%	3.98%	1.03%
80542	Mead	$2,803	11.5%	2.50%	1.28%
80758	Wray	$2,802	17.0%	4.12%	1.72%
80904	Colorado Springs	$2,799	54.1%	12.26%	0.88%
80228	Denver	$2,795	21.4%	5.02%	0.95%
80133	Palmer Lake	$2,785	13.3%	3.99%	1.04%
80516	Erie	$2,783	15.1%	2.82%	1.16%
80814	Divide	$2,780	42.1%	4.91%	1.73%
80013	Aurora	$2,778	32.6%	6.00%	1.14%
80603	Brighton	$2,765	17.0%	3.54%	1.76%
80481	Ward	$2,764	1.3%	0.77%	0.77%
80743	Otis	$2,760	4.3%	2.19%	3.65%
80863	Woodland Park	$2,754	23.7%	3.20%	1.32%
80835	Simla	$2,753	31.1%	8.67%	1.73%
80640	Henderson	$2,748	14.5%	4.04%	0.85%
80249	Denver	$2,747	11.9%	2.80%	1.07%
80031	Westminster	$2,746	52.9%	10.05%	1.52%
80615	Eaton	$2,743	20.1%	2.58%	0.87%
80222	Denver	$2,739	46.4%	8.93%	1.14%
80759	Yuma	$2,734	11.3%	3.24%	1.83%
80918	Colorado Springs	$2,734	31.7%	8.83%	0.87%
80924	Colorado Springs	$2,733	17.0%	2.74%	2.68%
80728	Fleming	$2,729	17.2%	3.23%	1.94%
81210	Almont	$2,726	0.4%	N/A	0.89%
80720	Akron	$2,725	20.1%	4.79%	4.14%
80212	Denver	$2,712	23.7%	4.72%	1.03%
80654	Wiggins	$2,710	33.7%	6.44%	1.61%
80923	Colorado Springs	$2,708	13.7%	3.91%	1.09%
80205	Denver	$2,704	34.2%	5.10%	1.11%
81022	Avondale	$2,700	61.2%	9.01%	2.25%
80737	Julesburg	$2,699	33.8%	5.77%	2.88%
80239	Denver	$2,694	17.4%	4.02%	1.17%
80645	La Salle	$2,690	8.9%	2.90%	0.93%
80012	Aurora	$2,686	41.2%	8.10%	1.55%
80528	Fort Collins	$2,679	17.0%	2.72%	1.25%
80534	Johnstown	$2,675	19.2%	3.21%	1.79%
80828	Limon	$2,671	27.6%	3.60%	1.11%
80815	Flagler	$2,667	5.0%	2.98%	2.38%
81062	Olney Springs	$2,663	30.7%	5.83%	0.97%
80004	Arvada	$2,660	31.5%	5.95%	0.78%
80018	Aurora	$2,656	21.1%	2.44%	1.54%
81069	Rye	$2,654	23.2%	4.45%	0.81%
80951	Colorado Springs	$2,654	27.7%	6.45%	1.12%
80017	Aurora	$2,649	24.1%	4.96%	1.68%
80648	Nunn	$2,648	29.4%	2.98%	N/A
80751	Sterling	$2,647	15.5%	3.62%	1.14%
81623	Carbondale	$2,638	48.0%	3.28%	0.81%
80644	Kersey	$2,638	16.8%	4.50%	0.90%
80601	Brighton	$2,638	33.4%	6.74%	1.49%
80820	Guffey	$2,637	12.9%	1.86%	0.80%
80922	Colorado Springs	$2,626	9.2%	3.44%	1.31%
80422	Black Hawk	$2,621	10.5%	2.17%	1.05%
80621	Fort Lupton	$2,617	60.3%	10.21%	1.91%
80810	Cheyenne Wells	$2,616	6.0%	3.83%	1.44%
81007	Pueblo	$2,614	27.2%	6.96%	0.70%
80236	Denver	$2,613	24.6%	5.61%	1.06%
81645	Minturn	$2,603	42.8%	4.02%	1.01%
81047	Holly	$2,585	131.9%	8.33%	0.49%
80020	Broomfield	$2,584	52.5%	7.42%	0.90%
80002	Arvada	$2,584	15.0%	4.40%	1.16%
81025	Boone	$2,577	27.5%	8.66%	2.36%
81077	Swink	$2,573	17.3%	6.96%	0.63%
81052	Lamar	$2,571	61.2%	15.50%	1.10%
80817	Fountain	$2,569	29.4%	4.50%	1.81%
80105	Deer Trail	$2,566	8.8%	1.57%	1.76%
80504	Longmont	$2,566	15.8%	2.46%	1.09%
80021	Broomfield	$2,565	47.0%	8.81%	0.80%
80457	Kittredge	$2,558	22.9%	2.60%	1.30%
81063	Ordway	$2,556	53.9%	6.40%	1.48%
81008	Pueblo	$2,553	34.4%	8.00%	0.88%
80821	Hugo	$2,550	20.4%	3.98%	3.41%
80226	Denver	$2,539	32.0%	4.75%	0.92%
81054	Las Animas	$2,538	33.8%	8.97%	3.80%
80232	Denver	$2,533	25.9%	5.05%	1.04%
81036	Eads	$2,531	4.6%	2.15%	N/A
80233	Denver	$2,524	23.9%	4.32%	0.72%
80436	Dumont	$2,522	4.8%	1.83%	1.22%
80033	Wheat Ridge	$2,518	25.4%	3.72%	1.09%
81001	Pueblo	$2,514	37.1%	8.27%	1.80%
80452	Idaho Springs	$2,514	45.0%	3.40%	2.36%
80925	Colorado Springs	$2,513	12.1%	3.01%	2.92%
81055	La Veta	$2,509	39.9%	4.44%	1.40%
81020	Aguilar	$2,503	26.8%	3.01%	0.75%
81073	Springfield	$2,503	57.0%	2.61%	1.63%
80547	Timnath	$2,502	8.6%	1.74%	1.57%
80819	Green Mountain Falls	$2,495	54.1%	1.42%	1.42%
80550	Windsor	$2,491	64.1%	8.81%	1.62%
80917	Colorado Springs	$2,489	27.3%	7.91%	1.00%
80022	Commerce City	$2,486	15.5%	2.71%	1.90%
80543	Milliken	$2,481	16.1%	3.56%	1.37%
80011	Aurora	$2,476	43.3%	6.15%	1.30%
80816	Florissant	$2,476	19.4%	3.83%	0.70%
80634	Greeley	$2,474	18.4%	3.48%	1.12%
80003	Arvada	$2,464	27.0%	5.36%	0.84%
80446	Granby	$2,463	446.3%	4.82%	1.28%
80903	Colorado Springs	$2,462	47.2%	12.62%	1.47%
80110	Englewood	$2,461	32.0%	4.54%	0.91%
80907	Colorado Springs	$2,447	56.4%	15.13%	0.87%
81050	La Junta	$2,442	25.9%	5.89%	1.23%
80911	Colorado Springs	$2,440	24.0%	5.58%	1.15%
80467	Oak Creek	$2,439	18.5%	2.03%	0.54%
80229	Denver	$2,439	26.6%	4.48%	0.93%
81067	Rocky Ford	$2,437	19.9%	6.48%	1.02%
80131	Louviers	$2,429	26.2%	3.45%	N/A
81092	Wiley	$2,427	35.0%	5.47%	2.34%
80915	Colorado Springs	$2,425	29.7%	5.94%	1.22%
80510	Allenspark	$2,423	4.6%	1.69%	1.06%
80610	Ault	$2,416	44.9%	5.28%	1.47%
81091	Weston	$2,411	10.6%	1.14%	1.43%
80813	Cripple Creek	$2,406	17.8%	4.25%	1.82%
80650	Pierce	$2,400	27.7%	3.96%	1.67%
81426	Ophir	$2,386	77.2%	2.94%	0.74%
81058	Manzanola	$2,377	70.0%	8.53%	1.55%
80535	Laporte	$2,375	20.4%	3.29%	0.29%
80827	Lake George	$2,373	23.2%	2.11%	1.58%
80214	Denver	$2,372	30.0%	3.80%	0.96%
81039	Fowler	$2,370	18.6%	3.82%	2.65%
81005	Pueblo	$2,365	18.8%	5.01%	0.74%
80475	Shawnee	$2,364	47.0%	5.22%	1.74%
80420	Alma	$2,360	13.2%	2.18%	1.09%
80524	Fort Collins	$2,357	185.4%	9.26%	0.76%
80030	Westminster	$2,351	59.0%	4.19%	0.96%
81253	Wetmore	$2,351	10.2%	2.40%	0.80%
80440	Fairplay	$2,349	26.9%	2.39%	0.84%
80705	Log Lane Village	$2,349	11.1%	5.47%	2.34%
80513	Berthoud	$2,345	48.0%	3.49%	1.20%
80427	Central City	$2,338	2.0%	1.00%	1.50%
80909	Colorado Springs	$2,337	57.2%	12.34%	1.16%
80447	Grand Lake	$2,335	516.5%	5.51%	1.20%
81090	Walsh	$2,333	15.4%	3.00%	1.00%
80631	Greeley	$2,330	28.8%	3.93%	1.11%
80448	Grant	$2,318	7.8%	2.99%	1.49%
80421	Bailey	$2,315	33.1%	4.43%	1.33%
80221	Denver	$2,305	25.2%	4.17%	1.17%
80520	Firestone	$2,303	8.0%	2.52%	1.16%
81649	Red Cliff	$2,302	71.3%	3.45%	1.15%
80010	Aurora	$2,299	33.8%	6.84%	1.27%
80905	Colorado Springs	$2,299	25.9%	7.35%	1.31%
80620	Evans	$2,298	22.6%	2.51%	1.16%
80525	Fort Collins	$2,294	18.3%	3.05%	0.64%
80536	Livermore	$2,281	13.1%	2.30%	0.63%
80468	Parshall	$2,275	53.0%	1.98%	0.99%
80927	Colorado Springs	$2,269	5.5%	1.88%	2.99%
80546	Severance	$2,269	284.3%	53.33%	1.90%
81082	Trinidad	$2,269	161.1%	25.09%	1.21%
80223	Denver	$2,269	34.6%	4.94%	1.04%
80444	Georgetown	$2,263	17.5%	3.32%	0.91%
80514	Dacono	$2,253	20.3%	1.99%	0.74%
80916	Colorado Springs	$2,252	36.9%	7.13%	1.15%
81019	Colorado City	$2,249	41.8%	11.51%	1.10%
80260	Denver	$2,248	29.1%	6.57%	1.03%
81003	Pueblo	$2,243	19.6%	5.09%	1.45%
80623	Gilcrest	$2,243	10.6%	3.74%	1.40%
80526	Fort Collins	$2,239	18.5%	2.97%	0.68%
80910	Colorado Springs	$2,238	40.8%	9.83%	1.32%
80530	Frederick	$2,234	12.3%	2.15%	1.30%
80204	Denver	$2,233	31.1%	4.93%	1.59%
80517	Estes Park	$2,231	85.2%	7.26%	0.66%
80219	Denver	$2,216	25.9%	4.81%	0.91%
81004	Pueblo	$2,199	22.0%	5.95%	1.02%
81222	Coaldale	$2,176	18.7%	5.00%	1.67%
80501	Longmont	$2,172	26.1%	4.04%	0.85%
81432	Ridgway	$2,171	27.7%	1.35%	1.18%
81089	Walsenburg	$2,163	29.7%	7.76%	1.04%
80549	Wellington	$2,153	492.8%	49.17%	0.99%
81243	Powderhorn	$2,148	25.5%	3.57%	2.38%
81223	Cotopaxi	$2,141	11.6%	1.90%	1.90%
81040	Gardner	$2,138	41.5%	5.38%	2.31%
80459	Kremmling	$2,124	16.4%	2.99%	0.71%
80538	Loveland	$2,115	24.9%	3.30%	0.99%
80537	Loveland	$2,111	57.5%	7.54%	0.87%
80019	Aurora	$2,101	8.2%	1.31%	1.20%
80216	Denver	$2,097	16.4%	3.27%	0.88%
80521	Fort Collins	$2,094	23.0%	3.83%	0.73%
80438	Empire	$2,094	11.1%	1.45%	0.72%
81233	Howard	$2,091	49.9%	4.75%	0.56%
81252	Westcliffe	$2,076	9.3%	2.08%	0.86%
80432	Como	$2,067	25.4%	2.24%	1.63%
80456	Jefferson	$2,066	29.1%	1.33%	1.53%
81326	Hesperus	$2,061	40.9%	1.49%	1.16%
81601	Glenwood Springs	$2,048	28.7%	2.99%	0.82%
80860	Victor	$2,030	22.1%	1.75%	N/A
80451	Hot Sulphur Springs	$2,026	5.8%	0.44%	1.76%
80449	Hartsel	$2,020	44.0%	2.64%	0.69%
81251	Twin Lakes	$2,012	289.4%	2.95%	N/A
80471	Pinecliffe	$2,007	N/A	N/A	2.90%
81301	Durango	$1,983	26.5%	2.61%	0.86%
80512	Bellvue	$1,969	150.6%	4.69%	0.94%
81240	Penrose	$1,969	60.6%	8.00%	0.89%
81146	Mosca	$1,955	0.1%	0.92%	0.92%
81236	Nathrop	$1,931	4.7%	0.72%	0.86%
81155	Villa Grove	$1,909	15.4%	0.91%	N/A
81637	Gypsum	$1,895	75.9%	4.56%	0.54%
81120	Antonito	$1,876	15.8%	2.68%	1.57%
80515	Drake	$1,867	25.7%	1.93%	2.14%
80476	Silver Plume	$1,855	67.7%	3.64%	N/A
81235	Lake City	$1,850	9.9%	1.84%	0.50%
81147	Pagosa Springs	$1,833	28.5%	2.70%	1.08%
81427	Ouray	$1,816	2.7%	0.91%	1.37%
81303	Durango	$1,812	57.6%	4.09%	0.60%
81643	Mesa	$1,797	20.3%	2.57%	0.74%
81133	Fort Garland	$1,782	27.4%	4.14%	1.15%
80532	Glen Haven	$1,766	315.8%	2.74%	3.42%
81226	Florence	$1,753	41.5%	8.40%	1.27%
81212	Canon City	$1,748	45.3%	7.82%	0.81%
80483	Yampa	$1,743	8.2%	1.88%	1.25%
81154	South Fork	$1,738	6.7%	1.47%	1.10%
81230	Gunnison	$1,711	6.3%	1.25%	0.63%
80545	Red Feather Lakes	$1,708	14.2%	1.37%	0.82%
80461	Leadville	$1,704	19.8%	2.52%	0.82%
81244	Rockvale	$1,696	44.0%	7.58%	1.52%
81647	New Castle	$1,695	13.5%	1.93%	0.71%
81130	Creede	$1,690	6.1%	0.50%	1.12%
81211	Buena Vista	$1,670	28.0%	1.97%	0.69%
81221	Coal Creek	$1,670	18.6%	7.14%	4.29%
81122	Bayfield	$1,649	39.5%	3.88%	0.92%
81152	San Luis	$1,648	20.8%	6.17%	2.06%
81201	Salida	$1,639	26.4%	1.78%	0.82%
81423	Norwood	$1,635	19.2%	3.45%	N/A
81415	Crawford	$1,634	26.7%	1.99%	2.24%
80480	Walden	$1,620	44.0%	2.17%	0.62%
80434	Cowdrey	$1,618	N/A	N/A	N/A
81220	Cimarron	$1,607	78.9%	2.09%	1.74%
81241	Pitkin	$1,600	N/A	N/A	0.51%
81151	Sanford	$1,580	39.1%	5.21%	1.04%
81639	Hayden	$1,565	22.1%	2.62%	1.50%
81123	Blanca	$1,565	1.4%	1.15%	1.15%
81121	Arboles	$1,559	N/A	N/A	1.94%
81242	Poncha Springs	$1,534	10.4%	1.16%	0.87%
81652	Silt	$1,529	38.3%	2.73%	0.93%
81641	Meeker	$1,526	31.5%	3.01%	0.56%
81527	Whitewater	$1,525	52.7%	6.48%	0.22%
81328	Mancos	$1,510	33.1%	1.18%	0.71%
80469	Phippsburg	$1,492	0.5%	1.18%	N/A
81131	Crestone	$1,492	89.1%	0.66%	1.82%
81141	Manassa	$1,487	22.3%	4.10%	1.03%
81624	Collbran	$1,485	26.4%	2.17%	1.81%
81140	La Jara	$1,483	26.6%	3.92%	1.96%
81433	Silverton	$1,450	9.3%	0.33%	1.32%
81523	Glade Park	$1,444	4.9%	1.92%	0.32%
81101	Alamosa	$1,442	21.7%	3.59%	0.85%
81137	Ignacio	$1,415	83.3%	7.12%	1.06%
81332	Rico	$1,402	58.6%	5.30%	1.99%
81132	Del Norte	$1,381	25.9%	2.75%	0.49%
81143	Moffat	$1,380	5.5%	1.92%	1.92%
81650	Rifle	$1,373	35.9%	4.05%	0.79%
81419	Hotchkiss	$1,366	52.2%	4.15%	1.04%
81635	Parachute	$1,361	25.7%	4.26%	1.16%
81323	Dolores	$1,347	11.1%	1.93%	0.81%
81524	Loma	$1,329	30.9%	3.21%	0.43%
81507	Grand Junction	$1,328	43.5%	4.11%	0.85%
81403	Montrose	$1,321	45.1%	2.78%	1.11%
81320	Cahone	$1,308	2.4%	0.89%	2.68%
81428	Paonia	$1,283	27.1%	2.53%	1.07%
81525	Mack	$1,281	98.0%	3.13%	2.50%
81413	Cedaredge	$1,280	21.8%	2.81%	0.90%
81327	Lewis	$1,273	70.2%	4.38%	N/A
81630	De Beque	$1,270	40.3%	3.89%	0.56%
81149	Saguache	$1,253	19.7%	1.66%	1.10%
81625	Craig	$1,232	30.3%	4.03%	0.97%
81506	Grand Junction	$1,228	32.0%	3.88%	0.47%
81526	Palisade	$1,222	87.7%	4.69%	1.30%
81610	Dinosaur	$1,205	85.8%	1.69%	1.69%
81505	Grand Junction	$1,199	62.5%	3.20%	0.54%
81331	Pleasant View	$1,189	0.9%	1.47%	N/A
81410	Austin	$1,189	67.7%	6.02%	0.93%
81425	Olathe	$1,174	150.5%	4.63%	0.60%
81144	Monte Vista	$1,164	35.6%	2.16%	1.16%
81418	Eckert	$1,138	36.1%	6.19%	1.24%
81416	Delta	$1,127	57.9%	4.05%	0.87%
81125	Center	$1,126	28.9%	1.32%	0.66%
81424	Nucla	$1,113	35.6%	4.07%	5.81%
81422	Naturita	$1,106	27.7%	2.27%	3.41%
81521	Fruita	$1,101	68.0%	3.68%	1.01%
81324	Dove Creek	$1,093	192.3%	3.25%	1.63%
81648	Rangely	$1,079	67.3%	3.69%	1.17%
81321	Cortez	$1,073	55.2%	2.32%	1.49%
81401	Montrose	$1,053	54.8%	3.29%	0.83%
81503	Grand Junction	$1,032	52.6%	3.16%	0.85%
81504	Grand Junction	$986	40.7%	3.75%	0.84%
81520	Clifton	$972	55.8%	5.19%	0.84%
81501	Grand Junction	$969	30.2%	3.47%	0.84%

Colorado Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Colorado compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Colorado

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Colorado ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

67.4

26th of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on Colorado FIO ZIPs

Most common top hazard

Avalanche

19 of 64 counties

Highest FEMA NRI counties in Colorado
County	Risk score	Rating	Top hazard
Denver	95.2	Relatively High	Hail
Jefferson	94.9	Relatively High	Hail
El Paso	94.1	Relatively Moderate	Wildfire

Counties with elevated FEMA hazard ratings in Colorado
Hazard	Elevated counties	Share of joined
Hail	11	17%
Winter weather	10	16%
Tornado	9	14%
Wildfire	5	8%
Flooding	3	5%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Colorado: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($2,591/yr here).

Oklahoma $2,622/yr Louisiana $2,539/yr Nebraska $2,473/yr Kansas $2,350/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (1.27% here).

Indiana 1.27% Montana 1.26% New Mexico 1.23% Tennessee 1.33%

Frequently Asked Questions

What is the average homeowners insurance cost in Colorado? ▼

Averaged across the 418 Colorado ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $2,591 ($2,858 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 46% above the national average of $1,776.

How have insurance premiums changed in Colorado? ▼

Colorado homeowners insurance premiums changed by +21.4% between 2018 and 2022. The average loss ratio is 50.9%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Colorado? ▼

The most expensive ZIP code for homeowners insurance in Colorado is 81611, with an average premium of $11,843/yr. The most affordable is 81501 at $969/yr.

What is the nonrenewal rate for Colorado homeowners insurance? ▼

Averaged across the Colorado ZIP codes that report one, the nonrenewal rate is 1.27%. This rate has changed by +25.5% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 80705 has the highest nonrenewal rate in the state at 2.34%.

What is a loss ratio and what does Colorado's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Colorado's average loss ratio is 50.9%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Colorado? ▼

The average claim frequency in Colorado is 5.29%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $22,144. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Colorado? ▼

Across 64 FEMA National Risk Index counties that join to Colorado ZIP codes in the FIO file, the mean county risk score is 67.4 (3% below the 50-state mean of 69.3). The most common county-level top hazard is Avalanche (19 of 64 counties). Elevated (Relatively High or Very High) county ratings concentrate in Hail (11), Winter weather (10), Tornado (9). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Colorado in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Colorado ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Colorado Homeowners Insurance

How Colorado Compares

Data Snapshot: Colorado Homeowners Insurance

Loss Ratio Reading: Colorado

Premium Trends (2018-2022)

Average premium in Colorado, 2018–2022

Most Expensive ZIP Codes in Colorado

Most Affordable ZIP Codes in Colorado

All ZIP Codes in Colorado

Colorado Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

Related