ZIP 80105 Insurance Data

Data Snapshot: ZIP 80105 (Deer Trail, CO)

ZIP 80105 (Deer Trail, CO) shows an average homeowners insurance premium of $2,566 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 45% above the national average of $1,776 per year, placing this ZIP in the 90th percentile nationally. Compared to the Colorado state average of $2,591, this ZIP runs 1% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 80105 is 8.8%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.57%, and the average claim severity (amount paid per claim) is $14,470. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.76% in this ZIP, a drop of 45.8% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 80105 have risen by 2.6%, ranging from $2,312 to $2,566 with a five-year average of $2,446 — an annualized rate of +0.7% 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.