ZIP 80026 Insurance Data

Data Snapshot: ZIP 80026 (Lafayette, CO)

ZIP 80026 (Lafayette, CO) shows an average homeowners insurance premium of $2,835 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 458 reported policies. That is 60% above the national average of $1,776 per year, placing this ZIP in the 93th percentile nationally. Compared to the Colorado state average of $2,591, this ZIP runs 9% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 80026 is 15.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 3.84%, and the average claim severity (amount paid per claim) is $11,750. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.19% in this ZIP, a rise of 43.0% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 80026 have risen by 29.1%, ranging from $2,197 to $2,835 with a five-year average of $2,455 — an annualized rate of +6.6% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.