Colorado Home-Insurance Distress by County

Colorado reads below the national average for home-insurance distress — an average county score of 8/100, 50th-highest of 52 states and territories. Every one of Colorado's 64 counties is monitored for coverage pressure — the force that pushes owners to list before any default shows.

At the top of the Colorado table sits Archuleta County (59/100) and Larimer County. Below, every Colorado county is ordered by insurance distress and links through to its detail page.

A below the national average statewide reading tells a Colorado buyer the coverage squeeze is present but concentrated — the work is finding the counties carrying it, which the ranked list below does.

DLRadar re-scores every Colorado county each month against the latest federal and carrier data, keeping the statewide picture — and each county's place in it — current to the live market.

For Colorado, the practical value is early identification — coverage-pressured owners surface here before they appear in any foreclosure feed, county by county down the list.

What Colorado's reading measures is not the premium itself but the forces behind it — physical hazard from FEMA, three years of NFIP claim losses, and carrier behavior — combined into one 0–100 number, which is why two Colorado counties with similar weather can diverge sharply on distress.

Colorado's reading is built on an average FEMA hazard score of 8/100 and average NFIP flood-claim stress of 10/100; those are the risks behind rate hikes and non-renewals here.

Colorado's three-year flood-loss record — 70 claims, $488,855 paid — is the evidence carriers cite for pullback.

DLRadar treats the Colorado insurance signal as one layer of a stack — it sits alongside foreclosure filings, bank stress and ownership turnover for the same counties, so you can tell whether coverage cost is compounding other distress or driving it on its own.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. That surfaces Colorado's insurance-squeezed sellers ahead of the market.