Colorado Flood Insurance: Complete Guide for Homeowners in 2025

Every county in Colorado — and 267 cities in the state — has flood-prone areas, according to the Colorado Water Conservation Board.^[?] If you live in the Centennial State, it might be a good idea to purchase flood insurance because home insurance policies don’t usually cover flooding. If you have a mortgage on your property, your lender may even require flood insurance.

Here’s what you need to know about flood insurance, including how it works, how to purchase it, and what you might  pay for a flood policy in Colorado.

Cost of flood insurance in Colorado

The average cost of flood insurance in Colorado depends on several factors, like the flood risk in your area, the age and style of your home, and your deductible. Flood insurance prices in Colorado vary greatly. Average costs by county range as low as $473 to $6,537 annually for a policy from the National Flood Insurance Program (NFIP).

Residents of Adams, Broomfield, Teller, and Jefferson counties (low-risk areas) pay the lowest rates for flood insurance, while homeowners in Archuleta, Clear Creek, and Grand Ouray (high-risk flood zones) face the most expensive premiums.

Here’s a look at how your location affects flood insurance costs in Colorado.

County	Annual Flood Insurance Cost
Adams	$486
Alamosa	$537
Arapahoe	$598
Archuleta	$5,072
Boulder	$1,110
Broomfield	$473
Chaffee	$2,479
Clear Creek	$4,398
Conejos	$1,966
Costilla	$822
Delta	$2,328
Denver	$721
Douglas	$534
Eagle	$4,282
El Paso	$763
Elbert	$666
Fremont	$1,548
Garfield	$1,843
Gilipin	$1,884
Grand	$6,537
Gunnison	$3,888
Hinsdale	$4,023
Huerfano	$2,759
Jefferson	$697
La Plata	$2,829
Larimer	$815
Las Animas	$2,300
Lincoln	$1,241
Logan	$936
Mesa	​​$808
Moffat	$1,512
Montezuma	$4,599
Montrose	$1,423
Morgan	$2,005
Otero	$1,316
Ouray	$5,582
Park	$1,895
Phillips	$1,674
Pitkin	$3,465
Prowers	$1,520
Pueblo	$981
Rio Blanco	$1,012
Rio Grande	$3,544
Routt	$2,660
San Miguel	$1,650
Summit	$1,419
Teller	$648
Weld	$1,142

Do you need flood insurance in Colorado?

Many Colorado residents live in areas susceptible to floods. In fact, 267 Colorado cities — and every single county in the state — have flood-prone areas.

If your home sustains damage from a flood but you don’t have flood insurance coverage, you’ll have to pay for the repair and replacement costs on your own. Unless you have the funds saved, you risk going into debt to cover your losses. Your lender may ask you to buy a flood policy if you have a mortgage on your home.

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How to determine your flood risk

Federal Emergency Management Agency (FEMA) flood zone maps gauge flooding dangers in various parts of the U.S. Known as Flood Insurance Rate Maps (FIRMs), these maps designate high-, moderate-, and low-risk flood zones throughout Colorado communities. The high-risk flood areas are Special Flood Hazard Areas (SFHAs), while the areas marked with a B, C, X, and D have a low to moderate flooding risk.^[?]

The Colorado Hazard Mapping & Risk MAP Portal can help you find the flood risk at your exact address.^[?] Also, the Colorado.gov Flood Information & Resources page offers a variety of useful information and resources to protect you from flood damage in the state.

What flood insurance covers in Colorado

Standard home insurance doesn’t typically cover floods. But if you invest in flood insurance, you may receive flood coverage for these components of your Colorado home:^[?]

• Electrical and plumbing systems

• Foundation walls and staircases

• Portable air conditioners

• Permanent cabinets, bookshelves, and paneling

• Carpeting

• Curtains and blinds

• Some appliances like stoves, fridges, washers, and dryers

• Fuel tanks

• Personal items such as clothing, furniture, and electronics

• Valuables like original artwork and furs

What flood insurance doesn’t cover

Flood insurance is comprehensive but excludes these flood-related losses:

• Temporary living expenses

• Personal property outside of your home, such as fences, decks, patios, pools, hot tubs, and septic systems

• Financial losses from business interruptions for business owners

• Property items kept in the basement

• Cars and other self-propelled vehicles

How to buy flood insurance in Colorado

If you want to purchase flood insurance for extra protection for your home, you can look into coverage from the NFIP. Visit FEMA’s NFIP database to learn whether your county participates in the program.^[?] Once you confirm it does, you can search for an NFIP partner insurance company and buy your NFIP policy.

You can also buy flood insurance through a private insurance company with varying coverage amounts. Keep in mind that flood insurance policies have a 30-day waiting period in most cases, so you’ll probably have to wait 30 days before your policy kicks in. Plus, you can’t buy flood insurance immediately before or during a flood.

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Tips for filing a flood insurance claim in Colorado

Follow these steps if a flood damages your property in Colorado and you need to file an insurance claim:

Average cost of home insurance in Colorado

Allstate is the cheapest homeowners insurance company in Colorado. But it may not be the right carrier for your coverage needs. 

The table below breaks down some of Colorado’s cheapest home insurance companies.

The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT. 

Insurance Company	Average Monthly Premium
Farmers	$86
Allstate	$101
Nationwide	$119
Travelers	$120
USAA	$123
Encompass	$159
Chubb	$161
Foremost	$161
State Farm	$164

Colorado flood insurance FAQs