Colorado Home-Insurance Distress by County

Home-insurance distress across Colorado is below the national norm: 64 counties average 11/100, 49th of 52 states.

1 of Colorado's 64 counties score 70 or higher (severe).

Colorado's reading rests on a FEMA hazard average of 11/100 and NFIP flood-claim stress of 13/100.

Over three years Colorado counties filed 95 NFIP flood claims, $1,132,255 paid.

Highest in Colorado: Jefferson County 72/100 (#582 US), Archuleta County 68/100 (#684 US), Boulder County 63/100 (#824 US), Pueblo County 55/100 (#995 US), Larimer County 55/100 (#1008 US).

Colorado counties by insurance band: 37 zero (Colorado), 24 low, 3 medium; Colorado NFIP claims, three years: 95; Colorado payouts $1.1 million.

Colorado counties with the most NFIP claims: La Plata 20 ($427,001); Jefferson 20 ($523,081); El Paso 11 ($6,936) in Colorado; Arapahoe 7 ($13,948); Denver 6 ($3,960).

Colorado county average rose: 6.9 in March 2026; Colorado reads 10.5 in October 2026; Colorado by month: March 6.9, April 6.9, May 6.5 (Colorado), June 6.5, July 8.1, August 8.0 (Colorado), September 9.7, October 10.5.

Highest Colorado ZIPs, insurance distress: 81007 42 (climate 83), 81004 42 (climate 83) in Colorado, 81001 42 (climate 83), 81005 42 (climate 83) in Colorado, 81025 42 (climate 83), 81019 42 (climate 83) in Colorado.

Reading the Colorado bands: 0 of 64 Colorado counties sit in a high or worse insurance band; Colorado filed 95 NFIP claims in three years, $1.1 million paid to Colorado policyholders; a Colorado county's band moves when FEMA hazard revisions, new Colorado NFIP settlements or carrier filings change its monthly score.