ZIP 80814 Insurance Data

Data Snapshot: ZIP 80814 (Divide, CO)

ZIP 80814 (Divide, CO) shows an average homeowners insurance premium of $2,780 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 15 reported policies. That is 57% 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 7% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 80814 is 42.1%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 4.91%, and the average claim severity (amount paid per claim) is $23,807. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.73% in this ZIP, a rise of 157.4% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 80814 have risen by 37.2%, ranging from $2,027 to $2,780 with a five-year average of $2,388 — an annualized rate of +8.2% 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.