Data · July 2026 data · 15-month trend
Colorado Flood Insurance Costs
In July 2026, the average premium among Colorado NFIP policies newly written or renewed that month was $982. That is within 1% of the national average ($986). The figure is up 6.7% year over year. Across 1,399 transactions in 46 counties, the highest county-level average was $6,955 in Grand 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 — July 2026
- Average premium
- $982
- Avg total cost (with fees)
- $1,297
- Change (year over year)
- +6.7%
- vs national average
- -0.4%
- Policies written or renewed
- 1,399
- Counties reporting
- 46
Colorado trend, last 15 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 | |
| July 2026 | $982 | $1,297 | 1,399 |
County breakdown — July 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 |
|---|---|---|---|---|
| Grand County | $6,955 | $8,504 | 1 | |
| Conejos County | $5,184 | $6,414 | 1 | |
| Prowers County | $3,073 | $3,867 | 16 | |
| Montezuma County | $2,648 | $3,337 | 8 | |
| Pitkin County | $2,473 | $3,172 | 21 | |
| Archuleta County | $2,140 | $2,716 | 9 | |
| Clear Creek County | $2,110 | $2,652 | 10 | |
| Routt County | $2,089 | $2,633 | 7 | |
| Otero County | $1,972 | $2,444 | 5 | |
| Eagle County | $1,905 | $2,485 | 15 | |
| Chaffee County | $1,897 | $2,491 | 5 | |
| Gilpin County | $1,872 | $2,281 | 2 | |
| Rio Grande County | $1,865 | $2,476 | 10 | |
| Las Animas County | $1,842 | $2,358 | 2 | |
| Gunnison County | $1,744 | $2,261 | 19 | |
| Morgan County | $1,652 | $2,118 | 7 | |
| Pueblo County | $1,625 | $2,050 | 15 | |
| Montrose County | $1,578 | $2,009 | 6 | |
| La Plata County | $1,408 | $1,820 | 47 | |
| Lake County | $1,321 | $1,800 | 4 | |
| Huerfano County | $1,295 | $1,750 | 3 | |
| Fremont County | $1,193 | $1,543 | 18 | |
| Dolores County | $1,133 | $1,634 | 1 | |
| Ouray County | $1,108 | $1,492 | 6 | |
| San Miguel County | $1,102 | $1,451 | 19 | |
| Garfield County | $1,066 | $1,370 | 11 | |
| Park County | $1,056 | $1,393 | 6 | |
| Mesa County | $1,031 | $1,353 | 21 | |
| Delta County | $1,023 | $1,279 | 1 | |
| Moffat County | $1,008 | $1,261 | 2 | |
| Alamosa County | $921 | $1,159 | 2 | |
| Denver County | $916 | $1,219 | 92 | |
| El Paso County | $909 | $1,189 | 112 | |
| Larimer County | $879 | $1,208 | 122 | |
| Logan County | $847 | $1,104 | 14 | |
| Summit County | $839 | $1,247 | 17 | |
| Boulder County | $797 | $1,061 | 413 | |
| Jefferson County | $776 | $1,027 | 141 | |
| Weld County | $776 | $1,055 | 30 | |
| Bent County | $597 | $776 | 1 | |
| Elbert County | $580 | $756 | 4 | |
| Douglas County | $568 | $779 | 31 | |
| Arapahoe County | $516 | $709 | 71 | |
| Adams County | $511 | $747 | 34 | |
| Teller County | $412 | $558 | 4 | |
| Broomfield County | $328 | $494 | 13 |
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, July 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.