How much is Flood Insurance in Colorado? is pleased to work with some of the nation's largest private flood insurers to provide you with coverage you can trust. Our instant quote tool assesses rates from numerous carriers to get you the best coverage for the lowest price. 

How much is Flood Insurance in Colorado?

The average cost per policy in Colorado through the NFIP is $776.29. Depending on where you live, this average could vary substantially! Depending on your deductibles, the cost of your home and contents, your premiums can change. The top 10 most populated cities in Colorado are listed below with their average cost per policy through the NFIP. If you're interested in a quote for a private flood insurance policy to compare costs, we offer a 100% online quote process.

Average Costs through the NFIP*

Average Cost per Policy
Colorado Springs
Fort Collins

*Prices as of April, 2021.

How do I save money on Flood Insurance in Colorado?

Get a quote for private flood insurance and compare it to a quote through the NFIP. Getting a quote through is an entirely online process, no need to wait for a callback or an email! When comparing your quote to the NFIP, don't just compare the costs, check what's covered by the NFIP so that if you try to submit a claim, you're not caught off-guard by what is, and isn't, covered.

Do I need flood insurance in Colorado?

Many people underestimate the amount of flooding that happens in Colorado, since it's not on the coastline. But there are plenty of areas that are in flood zones that require you to get flood insurance. Even if you're not in a flood zone that requires flood insurance, it does not mean that you're free from the risk of flooding. 

If you're wondering if you're in a flood zone, or close to one, enter your address on our FEMA Flood Zone map lookup.

Does my homeowner insurance in Colorado cover flooding?

Typically, your homeowner's insurance will be written through Allstate, Progressive, Farmers or possibly a State Farm agent. Homeowner's insurance generally excludes flood coverage. Obtaining a flood insurance policy is typically left up to the homeowner. If you're looking to get a policy, we offer a 100% online process, you can get a quote started here!

What is not covered by the NFIP?

Damage not directly caused by flooding like damage to the actual land you live on, or damage to anything outside such as fences or cars, and much of what is in your basement, isn't covered. Visit their website to see everything that is, or isn't, covered by the NFIP.

If you'd like to be free from these limitations and have more options for coverage, consider getting flood insurance from a private company,


Need help from a Flood Expert? Call us at 866-503-5663

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