Flood insurance cost in Colorado
In Colorado, the lowest private flood insurance quote ran $536 a year and the typical private quote ran $2,110. The NFIP quote ran $2,192.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 61% below the NFIP quote, and private was the cheaper option for 92% of those 47 properties. The typical private quote came in 26% above NFIP.
Median annual premiums from 715 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $536 | $2,603 | $2,786 | 531 |
| Residential properties | $536 | $1,913 | $2,074 | 708 |
How quotes have moved since 2020
- Lowest private quote$535 in 2025
- Typical private quote$2,732 in 2025
- NFIP quote$2,976 in 2025
Dashed lines span years with too few quotes to report a figure.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $541 | $614 | n/a | 122 |
| 2021 | $759 | $1,206 | n/a | 154 |
| 2025 | $535 | $2,732 | $2,976 | 385 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Colorado?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Colorado was $2,110 a year and the lowest private quote a property received was $536. NFIP quotes ran $2,192. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Colorado?
- Where a property was quoted both ways, the lowest private quote came in a median 61% below the NFIP quote, and private was the cheaper option for 92% of those 47 properties. The typical private quote came in 26% above NFIP.
- Where do these numbers come from?
- From 715 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Colorado
- Flood insurance in Colorado: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.