Flood Insurance · Colorado

Flood Insurance in Colorado

Colorado average: $81/month · Updated September 2026

Compare flood insurance quotes from 50+ carriers across all Colorado cities. Rates vary significantly by city — use the city finder below to see your local average.

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$81
CO Avg/Month
+3%
vs National Avg
Yes
NFIP Available
Flood Zone Rating
Key Risk

Colorado Flood Insurance Requirements & NFIP Guide

Colorado homeowners in Special Flood Hazard Areas (SFHA) with federally-backed mortgages are required to carry flood insurance. Standard homeowners insurance does NOT cover flood damage. Both NFIP and private flood policies are available.

State Requirements
Required in SFHA zones
Federally-backed mortgages in Special Flood Hazard Areas require it
Coverage Options
NFIP or private flood
Private flood often offers higher limits and broader coverage
Top Carriers in Colorado
State Farm, GEICO
Plus NFIP and private flood carriers
Expert Recommendation
Max dwelling + contents
NFIP caps at $250K dwelling / $100K contents — consider private for more

Flood Insurance Rates by City in Colorado

Rates vary significantly across Colorado cities. Urban markets like Denver tend to have higher rates due to traffic density and claim frequency, while smaller cities often offer more affordable premiums. Click any city to see a full rate breakdown and carrier comparison.

Denver
$111/mo
+38% vs state avg
Denver County
Colorado Springs
$87/mo
+8% vs state avg
El Paso County
Aurora
$98/mo
+22% vs state avg
Arapahoe County
Fort Collins
$77/mo
-4% vs state avg
Larimer County
Lakewood
$92/mo
+14% vs state avg
Jefferson County
Thornton
$95/mo
+18% vs state avg
Adams County
Arvada
$87/mo
+8% vs state avg
Jefferson County
Westminster
$90/mo
+12% vs state avg
Adams County
Pueblo
$84/mo
+4% vs state avg
Pueblo County
Boulder
$79/mo
-2% vs state avg
Boulder County
Highlands Ranch
$71/mo
-12% vs state avg
Douglas County
Greeley
$76/mo
-6% vs state avg
Weld County

How to Save on Flood Insurance in Colorado

Colorado homeowners have several options to reduce their flood insurance costs while maintaining essential flood protection.

✓
Compare multiple carriers
The spread between the highest and lowest quote in Colorado is often 40-60%. Getting quotes from State Farm, GEICO, Progressive, and others simultaneously is the single highest-impact action you can take.
✓
Bundle your policies
Bundling flood insurance with another policy (typically auto + home) saves most Colorado residents 10-25% with the same carrier. This is a pre-approved discount with no strings attached.
✓
Raise your deductible
Moving from a $250 deductible to $1,000 can reduce your premium by 15-25% in Colorado. This works best if you have an emergency fund to cover the higher out-of-pocket cost.
✓
Ask about discounts
Colorado carriers offer discounts for: safe driving, low mileage, paperless billing, automatic payment, loyalty, and completing approved safety courses. Ask for a full discount audit when you quote.
✓
Maintain a clean record
A single at-fault accident can increase your Colorado premium by 30-50% for 3-5 years. Safe driving is the most powerful long-term cost control strategy.
✓
Review annually
Colorado insurance rates change every year. Set a reminder to re-shop your policy at renewal. Loyalty doesn't always mean the best rate — your current carrier may not be the cheapest option next year.

Best Flood Insurance Companies in Colorado

Top-rated carriers actively writing flood insurance policies in Colorado:

1
State Farm
2
GEICO
3
Progressive
4
Farmers
5
Allstate

Other Insurance in Colorado

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