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Home insurance & flood costs in ZIP 80022 (Commerce City, CO)

Plain facts for homeowners in Commerce City: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 80022 at a glance

Four numbers most homeowners ask about first.

$2,486
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$701
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.90%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

2.7%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 80022 in numbers
$14,200
average paid claim (2022)
+18%
premium change 2018–2022, after inflation
2.90%
cancelled by insurers mid-term (2022)
18
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 80022 was $2,486 in 2022, 8% below the Adams County typical ZIP ($2,692) and 60% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 18% between 2018 and 2022. About 2.7% of policies here had a paid claim in 2022, and insurers chose not to renew 1.90% of policies.

Adams County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 80022AdamsU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 80022 in 2025 cost $701, based on 18 policies, compared with $896 in 2022. About 50% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

18 policies
A zones 50%X/B/C zones 50%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Adams County

The chart shows the share of homeowners policies in ZIP 80022 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Adams County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Hail100 · Very High
  • Winter weather97 · Very High
  • Cold wave97 · Relatively High
  • Lightning97 · Very High
  • Tornado93 · Relatively High

Other ZIP codes in Adams County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 16; see the county page for all.

80011 Aurora · $2,47680019 Aurora · $2,10180030 Westminster · $2,35180031 Westminster · $2,74680102 Bennett · $3,09280136 Strasburg · $2,97280221 Denver · $2,30580229 Denver · $2,43980233 Denver · $2,52480234 Denver · $2,86680241 Thornton · $2,81480260 Denver · $2,248

Practical next steps

Simple things homeowners in ZIP 80022 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Look at your roof. Hail and wind claims often come down to the roof. Impact-resistant (Class 4) shingles can earn discounts in some states, and knowing your roof's age helps when you compare policies.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.