Denver, CO

Denver, Denver County has an overall National Risk Index score of 95 and an expected annual loss score of 98, placing it in the extreme national risk band. The dominant local perils are flood, earthquake, extreme heat. The city-level scores below are county-level composites; actual parcel risk can differ meaningfully by neighborhood, elevation, and lot characteristics. Denver's flood risk scores 95 at the 95th national percentile, placing it in the extreme band. This is among the highest exposure nationally; standard-market underwriting is increasingly selective and residual-market backup plans are worth modeling. Buyers should check FEMA flood zone status, elevation certificate, and drainage history. Denver's earthquake risk scores 91 at the 91st national percentile, placing it in the extreme band. This is among the highest exposure nationally; standard-market underwriting is increasingly selective and residual-market backup plans are worth modeling. Buyers should verify seismic retrofit status and whether earthquake coverage is included. Denver's extreme heat risk scores 71 at the 71st national percentile, placing it in the high band. This is well above the national median and often triggers higher deductibles or coverage restrictions. Buyers should model long-term cooling costs, insulation, and grid reliability. The Colorado insurance market is currently under high pressure: admitted carriers write roughly 66% of new business and the residual market has grown roughly 95% since 2020. For higher-risk parcels in Denver, the residual market can run from $2,400 to $5,200 annually. Directional standard-market premiums for the city typically range from $1,950 to $4,970, but parcel-specific factors can move quotes well outside that band. Buyers should use the address-level snapshot tool to pin these citywide averages to the specific property under consideration. A full L2 or L3 report will also surface flood zone status, insurance-market pressure, and action items tied to the exact parcel.

— Open Data Collective