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Home insurance & flood costs in ZIP 80528 (Fort Collins, CO)

Plain facts for homeowners in Fort Collins: 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 80528 at a glance

Four numbers most homeowners ask about first.

$2,679
Avg. home premium

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

$485
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.25%
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 80528 in numbers
$16,799
average paid claim (2022)
+26%
premium change 2018–2022, after inflation
1.31%
cancelled by insurers mid-term (2022)
39
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 80528 was $2,679 in 2022, 20% above the Larimer County typical ZIP ($2,231) and 73% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 26% between 2018 and 2022. About 2.7% of policies here had a paid claim in 2022, and insurers chose not to renew 1.25% of policies.

Larimer County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 80528LarimerU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 80528 in 2025 cost $485, based on 39 policies, compared with $559 in 2022. About 3% 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

39 policies
A zones 3%X/B/C zones 97%V zones 0%

Claims & hazards

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

The chart shows the share of homeowners policies in ZIP 80528 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Larimer 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

  • Lightning99 · Very High
  • Hail98 · Relatively High
  • Winter weather98 · Very High
  • Wildfire98 · Relatively High
  • Landslide97 · Relatively Moderate

Other ZIP codes in Larimer County

Average premium per policy in 2022 (Treasury FIO).

80513 Berthoud · $2,34580517 Estes Park · $2,23180521 Fort Collins · $2,09480524 Fort Collins · $2,35780525 Fort Collins · $2,29480526 Fort Collins · $2,23980537 Loveland · $2,11180538 Loveland · $2,11580545 Red Feather Lakes · $1,70880547 Timnath · $2,50280549 Wellington · $2,153

Practical next steps

Simple things homeowners in ZIP 80528 can do with this information.

Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.
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.
Have a shelter plan. Know where your safe room or interior shelter is, and keep an up-to-date photo or video inventory of your belongings to make any claim simpler.
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.

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.