Data · June 2026 data · 14-month trend
Colorado Flood Insurance Costs
In June 2026, the average premium among Colorado NFIP policies newly written or renewed that month was $821. Premiums there are 18.0% cheaper than the $1,001 national figure. The figure is up 6.8% year over year. Across 1,863 transactions in 47 counties, the highest county-level average was $4,925 in Gilpin 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 — June 2026
- Average premium
- $821
- Avg total cost (with fees)
- $1,085
- Change (year over year)
- +6.8%
- vs national average
- -18.0%
- Policies written or renewed
- 1,863
- Counties reporting
- 47
Colorado trend, last 14 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 | $1,025 | 1,920 | |
| July 2025 | $921 | $1,223 | 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 | $1,320 | 1,170 | |
| December 2025 | $969 | $1,289 | 1,110 | |
| January 2026 | $1,021 | $1,345 | 1,013 | |
| February 2026 | $1,087 | $1,432 | 914 | |
| March 2026 | $970 | $1,283 | 1,386 | |
| April 2026 | $983 | $1,289 | 1,389 | |
| May 2026 | $845 | $1,113 | 1,757 | |
| June 2026 | $821 | $1,085 | 1,863 |
County breakdown — June 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 |
|---|---|---|---|---|
| Gilpin County | $4,925 | $5,995 | 6 | |
| Las Animas County | $2,775 | $3,571 | 4 | |
| Archuleta County | $2,596 | $3,335 | 9 | |
| La Plata County | $2,270 | $2,855 | 28 | |
| Eagle County | $2,166 | $2,768 | 24 | |
| Clear Creek County | $2,122 | $2,608 | 7 | |
| Pitkin County | $2,024 | $2,645 | 11 | |
| Routt County | $1,979 | $2,501 | 24 | |
| Garfield County | $1,941 | $2,491 | 14 | |
| Otero County | $1,894 | $2,382 | 3 | |
| Montezuma County | $1,889 | $2,391 | 5 | |
| Rio Grande County | $1,776 | $2,308 | 8 | |
| Morgan County | $1,668 | $2,125 | 8 | |
| Conejos County | $1,596 | $2,068 | 2 | |
| Park County | $1,585 | $1,942 | 2 | |
| Fremont County | $1,283 | $1,655 | 23 | |
| Larimer County | $1,196 | $1,546 | 118 | |
| Chaffee County | $1,172 | $1,488 | 7 | |
| Montrose County | $1,100 | $1,416 | 10 | |
| Delta County | $1,093 | $1,362 | 2 | |
| El Paso County | $1,076 | $1,384 | 129 | |
| Weld County | $1,057 | $1,388 | 49 | |
| Moffat County | $970 | $1,329 | 2 | |
| Gunnison County | $951 | $1,276 | 11 | |
| Logan County | $910 | $1,224 | 26 | |
| Mesa County | $906 | $1,178 | 18 | |
| Costilla County | $899 | $1,268 | 5 | |
| Ouray County | $848 | $1,073 | 1 | |
| Douglas County | $830 | $1,096 | 30 | |
| Denver County | $828 | $1,144 | 83 | |
| Elbert County | $759 | $968 | 3 | |
| Prowers County | $718 | $1,069 | 3 | |
| Grand County | $687 | $889 | 17 | |
| Teller County | $665 | $969 | 2 | |
| Bent County | $655 | $845 | 1 | |
| Broomfield County | $654 | $985 | 8 | |
| Boulder County | $606 | $817 | 690 | |
| Jefferson County | $603 | $811 | 162 | |
| Phillips County | $481 | $865 | 1 | |
| San Miguel County | $466 | $615 | 108 | |
| Pueblo County | $406 | $552 | 6 | |
| Yuma County | $390 | $532 | 1 | |
| Adams County | $383 | $571 | 29 | |
| Alamosa County | $371 | $509 | 2 | |
| Arapahoe County | $320 | $466 | 114 | |
| Summit County | $300 | $458 | 46 | |
| Washington County | $245 | $361 | 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 (NFIP Redacted Policies v3).
"Colorado Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, June 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/colorado
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.