ZIP 80434 Insurance Data

Data Snapshot: ZIP 80434 (Cowdrey, CO)

ZIP 80434 (Cowdrey, CO) shows an average homeowners insurance premium of $1,618 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 9% below the national average of $1,776 per year, placing this ZIP in the 55th percentile nationally. Compared to the Colorado state average of $2,591, this ZIP runs 38% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Across 5 years (2018–2022), premiums in ZIP 80434 have risen by 5.3%, ranging from $1,491 to $1,731 with a five-year average of $1,586 — an annualized rate of +1.3% 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.