Modeled dataCarrier availability & pricing are modeled.How this is modeled
CoverGuard

Colorado

Colorado's wildland-urban interface tightened after Marshall Fire. Find writing carriers fast.

Colorado wildfire risk in the WUI continues to drive non-renewals — particularly along the Front Range. CoverGuard pulls Cal Fire-style hazard layers plus Esri wildfire propagation to score property-level exposure.

Run a Colorado insurability check

Carrier landscape: Tightening in WUI / Front Range

A modeled read of which carriers are writing in Colorado, not an offer of coverage and not a quote. Availability is confirmed by a carrier, per property.

  • WUI non-renewals concentrated post-Marshall Fire
  • Boulder, Jefferson, Larimer counties most affected
  • Hail surcharges across I-25 corridor
A broad landscape combines coast, river, forest, dry terrain, and homes.
Illustrative landscape — the kinds of exposure a Colorado property review considers. AI-generated illustrative image for CoverGuard marketing; not evidence of a real customer, property, carrier result, or event. Illustrative only — no figure on this page is derived from this image, and no marker is placed at a real location.

  1. Flood Flood

    River and coastal context can vary significantly across nearby properties.

  2. Wildfire Wildfire

    Vegetation, terrain, and access are useful inputs for further review.

  3. Wind Wind

    Coastal exposure can shape the questions asked about a property.

  4. Earthquake Earthquake

    Regional context is a starting point and does not establish property-level loss.

Perils we score for Colorado

Wildfire

How CoverGuard scores wildfire exposure for a property in this state.

Wildfire data sources
USFS + Esri wildfire propagationModeled estimate
Source: USFS + Esri wildfire propagation · Last checked 2026-06-02.
State-level sourcing. A property-level answer needs the address.

Hail

How CoverGuard scores hail exposure for a property in this state.

Hail data sources
NOAA SPCModeled estimate
Source: NOAA SPC · Last checked 2026-06-02.
State-level sourcing. A property-level answer needs the address.

Wind

How CoverGuard scores wind exposure for a property in this state.

Wind data sources
ASCE 7Modeled estimate
Source: ASCE 7 · Last checked 2026-06-02.
State-level sourcing. A property-level answer needs the address.

ZIPs worth watching

Where CoverGuard currently models the highest property-level deal risk. A ZIP appearing here does not mean a property in it is uninsurable, and its absence does not mean a property is easy to place.

  • 80027
  • 80439
  • 80424
  • 81601
  • 80487

Last checked 2026-06-02. Figures are modeled from public hazard and market sources; each peril above names its own.

From the CoverGuard Record to bound coverage — without the surprises

With carriers exiting major markets, insurance is killing deals at closing. CoverGuard's AI reads the CoverGuard Record, models which carriers will write the risk, and pulls back indicative pricing with a quote request — before anyone signs on the dotted line.

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From CoverGuard Record to a quote request

The CoverGuard Advisor reads the risk, models which carriers will write it, and pulls back indicative pricing — with every number sourced and auditable.

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