ZIP 80303 Insurance Data

Data Snapshot: ZIP 80303 (Boulder, CO)

ZIP 80303 (Boulder, CO) shows an average homeowners insurance premium of $3,596 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 392 reported policies. That is 103% above the national average of $1,776 per year, placing this ZIP in the 97th percentile nationally. Compared to the Colorado state average of $2,591, this ZIP runs 39% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 80303 is 1693.5%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 18.85%, and the average claim severity (amount paid per claim) is $323,035. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.04% in this ZIP, a rise of 29.0% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 80303 have risen by 31.1%, ranging from $2,743 to $3,596 with a five-year average of $3,087 — an annualized rate of +7.0% 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.