Colorado
Colorado's wildland-urban interface tightened after Marshall Fire. See which carriers are likely writing.
Colorado wildfire risk in the WUI continues to drive non-renewals — particularly along the Front Range. CoverGuard scores property-level wildfire exposure from USFS wildland-urban interface data, FEMA's National Risk Index and current drought conditions.
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
Perils we score for Colorado
Wildfire
How CoverGuard scores wildfire exposure for a property in this state.
- Wildfire data sources
- USFS WUI + FEMA NRI wildfire + US Drought MonitorModeled estimate
- Source: USFS WUI + FEMA NRI wildfire + US Drought Monitor · 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 SPC storm reportsModeled estimate
- Source: NOAA SPC storm reports · 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 7-22 wind maps (estimated)Modeled estimate
- Source: ASCE 7-22 wind maps (estimated) · Last checked 2026-06-02.
- State-level sourcing. A property-level answer needs the address.
ZIPs worth watching
ZIPs our team flagged for this market at its last review, not a modeled ranking. 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.
Colorado insurance terms worth knowing
Wildland-Urban Interface (WUI)
The zone where homes sit adjacent to or intermixed with wildland vegetation — the geography insurers watch most closely for non-renewal.
Non-Renewal
A carrier's decision not to renew a policy at its next term — distinct from a cancellation, and the leading edge of a market pulling back from a geography.
Wind/Hail Deductible
A separate, usually percentage-based deductible for wind and hail claims — often much larger than the flat deductible on the rest of the policy.
From the CoverGuard Record to a quote request — without the surprises
With carriers exiting major markets, insurance is killing deals at closing. CoverGuard reads the CoverGuard Record, models which carriers are likely to write the risk and what cover should cost, and sends your quote request to CoverGuard’s brokerage team — before anyone signs on the dotted line.
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day. Available in all 50 states.