Data · May 2026 data · 13-month trend
Colorado Flood Insurance Costs
In May 2026, the average premium among Colorado NFIP policies newly written or renewed that month was $842. Premiums there are 14.3% cheaper than the $982 national figure. The figure is up 3.9% year over year. Across 1,695 transactions in 47 counties, the highest county-level average was $7,245 in Hinsdale County.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $842
- Avg total cost (with fees)
- $1,108
- Change (year over year)
- +3.9%
- vs national average
- -14.3%
- Policies written or renewed
- 1,695
- Counties reporting
- 47
Colorado trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $810 | $1,072 | 1,830 | |
| June 2025 | $769 | $1,026 | 1,920 | |
| July 2025 | $920 | $1,222 | 1,449 | |
| August 2025 | $978 | $1,294 | 1,317 | |
| September 2025 | $1,005 | $1,324 | 1,382 | |
| October 2025 | $830 | $1,106 | 1,535 | |
| November 2025 | $1,008 | $1,319 | 1,170 | |
| December 2025 | $969 | $1,289 | 1,110 | |
| January 2026 | $1,021 | $1,345 | 1,013 | |
| February 2026 | $1,087 | $1,431 | 914 | |
| March 2026 | $966 | $1,278 | 1,384 | |
| April 2026 | $980 | $1,286 | 1,387 | |
| May 2026 | $842 | $1,108 | 1,695 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Hinsdale County | $7,245 | $8,846 | 1 | |
| Las Animas County | $3,726 | $4,694 | 4 | |
| Huerfano County | $3,190 | $4,024 | 6 | |
| Chaffee County | $2,733 | $3,379 | 11 | |
| Rio Grande County | $2,536 | $3,193 | 7 | |
| Montezuma County | $2,452 | $3,010 | 5 | |
| Morgan County | $1,493 | $1,901 | 10 | |
| Otero County | $1,475 | $1,813 | 2 | |
| Gunnison County | $1,456 | $1,886 | 14 | |
| Pitkin County | $1,451 | $1,960 | 14 | |
| Delta County | $1,420 | $1,747 | 4 | |
| Routt County | $1,378 | $1,835 | 23 | |
| Clear Creek County | $1,377 | $1,753 | 8 | |
| Garfield County | $1,297 | $1,670 | 10 | |
| La Plata County | $1,275 | $1,676 | 25 | |
| Yuma County | $1,197 | $1,709 | 1 | |
| Larimer County | $1,187 | $1,563 | 76 | |
| Weld County | $1,175 | $1,542 | 35 | |
| Montrose County | $1,112 | $1,412 | 8 | |
| Logan County | $1,106 | $1,456 | 20 | |
| Moffat County | $1,048 | $1,309 | 1 | |
| Pueblo County | $1,037 | $1,296 | 4 | |
| Archuleta County | $1,028 | $1,397 | 4 | |
| Denver County | $981 | $1,304 | 76 | |
| Jefferson County | $922 | $1,193 | 130 | |
| Fremont County | $905 | $1,156 | 23 | |
| Park County | $892 | $1,238 | 4 | |
| Prowers County | $884 | $1,276 | 7 | |
| Eagle County | $861 | $1,098 | 100 | |
| Grand County | $823 | $1,074 | 18 | |
| Adams County | $803 | $1,132 | 38 | |
| Ouray County | $799 | $1,014 | 2 | |
| Mesa County | $786 | $1,023 | 19 | |
| Teller County | $741 | $946 | 2 | |
| Boulder County | $682 | $913 | 469 | |
| Costilla County | $672 | $865 | 1 | |
| El Paso County | $627 | $829 | 194 | |
| San Miguel County | $627 | $798 | 145 | |
| Alamosa County | $564 | $851 | 4 | |
| Rio Blanco County | $561 | $734 | 1 | |
| Mineral County | $553 | $950 | 1 | |
| Arapahoe County | $553 | $770 | 64 | |
| Summit County | $534 | $756 | 51 | |
| Douglas County | $515 | $691 | 40 | |
| Broomfield County | $477 | $731 | 7 | |
| FIPS 08000 | $393 | $610 | 3 | |
| Lake County | $364 | $727 | 1 |
Use this data
Download Colorado CSV (colorado.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Colorado Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/colorado
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.