Flood insurance cost · Logan County, CO

Flood insurance cost in Logan County, Colorado

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 170 home policies in force on August 31, 2026.

Logan County, ColoradoPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$963a year

Half of insured homes paid between $814 and $1,108. That is 4% more than the Colorado median ($926). Most insured homes here are rated in zone AE (72%).

$0$814 · $963 · $1,108$1,385

+2.8% vs Aug 31, 2025 (median $937)

170home policies in force

$981average cost (mean)

100%of insured homes in high-risk zones (A, V)

$205,500median 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.

Cost by flood zone in Logan County

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$953	$805–$1,082	$964	122 (72%)	+3.1%
Zone AH High risk, shallow	$1,012	$823–$1,153	$998	42 (25%)	+3.2%

Not shown (fewer than 10 home policies): VE, A, AO, A99/AR, X, D. 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 Logan County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	154	$963	$992
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	39	$2,052	$2,271

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

213NFIP policies in force, any building

213insured units (condo association policies count every unit)

45%of home policies also cover contents

$66,000median contents coverage, when bought

One year on: Logan County

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, 2025	Aug 31, 2026	Change
Home policies in force	170	170	±0.0%
Median annual cost	$937	$963	+2.8%
Average annual cost	$953	$981	+2.9%
All policies in force (any building)	217	213	−1.8%

How many homes have flood insurance?

1.9%of all homes in Logan County have an NFIP policy

6.3%of homes in high-risk zones (special flood hazard area) have one

9,306residential buildings counted by FEMA

2,708of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Logan County, Colorado have filed 76 flood claims. 40 received a payment, for a total of $853,182 (an average of $21,330 per paid claim). The year with the most claims was 1997 (24 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (2)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2013	17	<10	–	–
1997	24	19	$134,899	$7,100

2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Main NFIP communities in the county

Sterling (165 home policies)