InsureWatch

81630

Moderate35

De Beque, Colorado — Garfield County

Pop. 1,119Median Income $68,750Median Home $257,400
0/ 100Moderate Risk

2025 Estimated Premium

$1,388/yr

+9.3% from 2022 actual ($1,270)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$1,270

-8.4%

2018–2025

Nonrenewal Rate

0.56%

2018–2022

Claim Frequency

3.9%

Avg Claim Amount

$13,165

Score Breakdown

Premium Level (25%)29
Premium Trend (20%)8
Nonrenewal Risk (20%)23
Storm Exposure (15%)99
Affordability (10%)35
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20184 events
Property damage$5,000
19
20199 events
Property damage$8,000
1 hail2 flood
20
202010 events
Property damage$0
1 flood
21
202119 events
Property damage$153,320,000
1 hail1 flood
22
20224 events
Property damage$5,500
23
202312 events1 fatalities
Property damage$90,000
1 hail5 flood
24
202412 events
Property damage$0
25
20255 events
Property damage$0

Nearby ZIP Codes

81524Loma, CO
35Moderate
81505Grand Junction, CO
31Moderate

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.