ZIP 81040 Insurance Data

Data Snapshot: ZIP 81040 (Gardner, CO)

ZIP 81040 (Gardner, CO) shows an average homeowners insurance premium of $2,138 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 20% above the national average of $1,776 per year, placing this ZIP in the 80th percentile nationally. Compared to the Colorado state average of $2,591, this ZIP runs 17% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 81040 is 41.5%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 5.38%, and the average claim severity (amount paid per claim) is $16,467. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 2.31% in this ZIP; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 81040 have risen by 0.6%, ranging from $1,984 to $2,291 with a five-year average of $2,145 — an annualized rate of +0.2% 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.