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Flood insurance cost · CO

Flood insurance cost in Colorado

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 10,633 home policies in force on August 31, 2026.

ColoradoPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$926a year

Half of insured homes paid between $603 and $1,368. That is 14% less than the national median ($1,082). Most insured homes here are rated in zone X (52%).

$0$603 · $926 · $1,368$1,710
+4.0% vs Aug 31, 2025 (median $890)
10,633home policies in force
$1,151average cost (mean)
48%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Colorado, county by county.

Cost by flood zone in Colorado

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,141$798–$1,692$1,4604,030 (38%)+6.0%
Zone A
High risk		$1,140$779–$1,636$1,481584 (5%)+4.0%
Zone AO
High risk, shallow		$1,261$962–$1,744$1,434379 (4%)+2.5%
Zone AH
High risk, shallow		$1,077$835–$1,278$1,18773 (1%)+4.4%
Zone X
Moderate to low risk		$714$492–$1,151$8665,541 (52%)+1.9%
Zone D
Undetermined		$1,527$652–$3,472$2,43424 (0%)+5.5%

Not shown (fewer than 10 home policies): VE, A99/AR. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Colorado, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home9,413$937$1,163
2–4 unit building375$1,168$1,481
Manufactured (mobile) home191$1,080$1,345
Condo or apartment unit654$592$730
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		628$2,206$3,458
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,703$2,222$3,118
12,964NFIP policies in force, any building
15,653insured units (condo association policies count every unit)
78%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Colorado

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force11,16510,633−4.8%
Median annual cost$890$926+4.0%
Average annual cost$1,072$1,151+7.4%
All policies in force (any building)13,53412,964−4.2%

Flood claims history

Since 1978, NFIP policyholders in Colorado have filed 5,802 flood claims. 3,637 received a payment, for a total of $91.7 million (an average of $25,216 per paid claim). The year with the most claims was 2013 (2,301 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 58 claims, 40 paid, $181,206 in total1979: 134 claims, 95 paid, $324,451 in total1980: 125 claims, 60 paid, $244,186 in total19801981: 65 claims, 44 paid, $141,183 in total1982: 181 claims, 124 paid, $1,284,427 in total1983: 186 claims, 95 paid, $612,725 in total1984: 142 claims, 70 paid, $512,317 in total1985: 56 claims, 27 paid, $268,819 in total1986: 28 claims, 13 paid, $62,510 in total1987: 33 claims, 11 paid, $115,770 in total1988: 11 claims1989: 20 claims1990: 34 claims, 12 paid, $52,421 in total19901991: 50 claims, 24 paid, $115,436 in total1992: 16 claims1993: 23 claims, 10 paid, $88,298 in total1994: 38 claims, 18 paid, $103,629 in total1995: 148 claims, 55 paid, $325,190 in total1996: 57 claims, 31 paid, $115,416 in total1997: 190 claims, 113 paid, $756,079 in total1998: 84 claims, 46 paid, $480,753 in total1999: 290 claims, 171 paid, $2,014,470 in total19992000: 34 claims, 16 paid, $92,698 in total20002001: 56 claims, 26 paid, $141,378 in total2002: 27 claims, 15 paid, $435,779 in total2003: 32 claims, 11 paid, $46,207 in total2004: 29 claims, 15 paid, $62,429 in total2005: 18 claims2006: 29 claims, 12 paid, $100,442 in total2007: 48 claims, 23 paid, $870,344 in total2008: 34 claims, 21 paid, $87,835 in total2009: 51 claims, 32 paid, $825,807 in total2010: 49 claims, 26 paid, $191,834 in total20102011: 89 claims, 40 paid, $512,493 in total2012: 64 claims, 34 paid, $752,113 in total2013: 2,301 claims, 1,833 paid, $72,641,027 in total20132014: 88 claims, 40 paid, $405,683 in total2015: 329 claims, 188 paid, $1,907,745 in total20152016: 54 claims, 16 paid, $118,698 in total2017: 44 claims, 12 paid, $45,107 in total2018: 53 claims, 22 paid, $654,156 in total2019: 66 claims, 20 paid, $300,596 in total2020: 17 claims20202021: 53 claims, 19 paid, $410,811 in total2022: 41 claims, 25 paid, $681,935 in total2023: 132 claims, 66 paid, $1,087,554 in total2024: 19 claims2025: 50 claims, 23 paid, $549,696 in total2026: 26 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202626<10––
20255023$549,696$23,900
202419<10––
202313266$1,087,554$16,478
20224125$681,935$27,277
20215319$410,811$21,622
202017<10––
20196620$300,596$15,030
20185322$654,156$29,734
20174412$45,107$3,759
20165416$118,698$7,419
2015329188$1,907,745$10,148
20148840$405,683$10,142
20132,3011,833$72,641,027$39,630
20126434$752,113$22,121
20118940$512,493$12,812
20104926$191,834$7,378
20095132$825,807$25,806
20083421$87,835$4,183
20074823$870,344$37,841
20062912$100,442$8,370
200518<10––
20042915$62,429$4,162
20033211$46,207$4,201
20022715$435,779$29,052
20015626$141,378$5,438
20003416$92,698$5,794
1999290171$2,014,470$11,781
19988446$480,753$10,451
1997190113$756,079$6,691
19965731$115,416$3,723
199514855$325,190$5,913
19943818$103,629$5,757
19932310$88,298$8,830
199216<10––
19915024$115,436$4,810
19903412$52,421$4,368
198920<10––
198811<10––
19873311$115,770$10,525
19862813$62,510$4,808
19855627$268,819$9,956
198414270$512,317$7,319
198318695$612,725$6,450
1982181124$1,284,427$10,358
19816544$141,183$3,209
198012560$244,186$4,070
197913495$324,451$3,415
19785840$181,206$4,530

From 2016 to 2026: 555 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Colorado

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Alamosa County37$588
Archuleta County74$1,442
Broomfield County74$470
Chaffee County75$1,420
Clear Creek County74$1,490
Conejos County10$1,856
Costilla County10$982
Delta County30$1,301
Elbert County16$622
Garfield County99$1,265
Gilpin County11$1,556
Grand County26$1,490
Huerfano County33$1,503
Moffat County20$1,286
Montezuma County63$1,308
Montrose County65$1,188
Morgan County76$1,708
Otero County40$1,522
Ouray County25$1,405
Park County26$1,248
Prowers County17$1,157
Pueblo County94$944
Rio Blanco County15$985
Rio Grande County95$1,443
Teller County39$719

ZIP codes with the most insured homes