Low wildfire risk · 10/100
Fort Collins, CO Fire Insurance
Fort Collins carries a low wildfire risk rating (10/100). 14 wildfires have been recorded within 25 miles since 2000 — the closest, the Bobcat Powerline (2016), just 11.7 miles away. Coverage is widely available and competitively priced — the risk here is overpaying, not being dropped. Here's what coverage costs, who still writes here, and how to lock it in.
See Fort Collins coverage options →Fort Collins's wildfire risk profile
10/100
FireRisk score
Low
Risk band
4–25
Neighborhood range
14
Fires within 25 mi (since 2000)
What this means for you
- The 10/100 score rates this area's wildfire exposure from 0 (minimal) to 100 (extreme). Insurers use similar models to decide whether to offer a policy and what to charge — a score in this range usually means coverage stays available and competitively priced.
- “Low” is the band that score falls into. Coverage is widely available and competitively priced here.
- The 4–25 range is how much risk varies street to street. Your exact address could score noticeably higher or lower than the headline — check it before you assume.
- 14 fires within 25 miles since 2000 is the area's recent track record. Underwriters treat a longer nearby fire history as higher risk for the whole ZIP — not only the homes that actually burned.
The closest federally recorded wildfire is the Bobcat Powerline (2016), about 11.7 miles away. Insurers weigh this proximity heavily — risk varies street by street, so see the full Fort Collins risk report or check your exact address.
What low risk means for your coverage
Coverage is widely available and competitively priced — the risk here is overpaying, not being dropped. After the Marshall Fire and East Troublesome/Cameron Peak losses, Colorado carriers raised premiums sharply and tightened underwriting across the Front Range. In response, the state created its first-ever FAIR Plan (authorized in 2023, launched in 2025) as a backstop for homeowners who can’t find coverage on the admitted market.
What fire insurance costs in Fort Collins
Front Range WUI homeowners have seen large premium increases, with many high-risk homes paying well above the state average. The new FAIR Plan caps last-resort coverage, so hardening and shopping specialists remain the best levers on price.
~$556/yr in mitigation-linked discounts and credits may be available to Fort Collins homeowners who harden and document their home.
Colorado FAIR Plan — the backstop
Colorado’s new insurer of last resort (launched 2025) for homeowners unable to obtain coverage on the open market. Use it as a backstop while you harden your home and re-shop the admitted market. How FAIR Plans work →
Low risk — you may be overpaying.
Low-risk and well-mitigated homes qualify for credits many agents never check. A quick comparison shows whether you’re leaving money on the table.
What happens if you wait
High-risk homeowners have faced steep rate increases in recent years. Non-standard market policies — when you can find them — often cost substantially more.
Insurers have filed hundreds of thousands of non-renewals in fire-risk areas in recent years. Notices typically arrive ~60 days before expiration.
IBHS-certified homes may qualify for premium reductions with participating carriers. Discounts vary by carrier, state, and property.
Research suggests homes with elevated fire risk can sell below comparable homes, as buyers price in insurance cost. Individual results vary.
See your options before rates change.
We match Colorado homeowners with licensed agents who write low-risk wildfire homes. Start with your email — we’ll send your comparison and, if you want, connect you with an agent. Free, no obligation.
$556/yr — typical savings when Colorado homeowners compare carriers.
Go deeper on Fort Collins
See the full wildfire-risk breakdown, or compare insurance in nearby Colorado areas.
Fort Collins wildfire risk report →Fort Collins fire insurance FAQ
Is it hard to get fire insurance in Fort Collins, CO?
Fort Collins carries a low wildfire risk rating (10/100 on FireRisk's federal-data model). Across the area our samples range 4–25/100, so it varies by neighborhood. Coverage is widely available and competitively priced — the risk here is overpaying, not being dropped. 14 wildfires have been federally recorded within 25 miles since 2000, the closest being the Bobcat Powerline (2016), 11.7 miles away.
How much does fire insurance cost in Fort Collins?
Front Range WUI homeowners have seen large premium increases, with many high-risk homes paying well above the state average. The new FAIR Plan caps last-resort coverage, so hardening and shopping specialists remain the best levers on price. A low-risk Fort Collins home sits in the more affordable range of that spread. Your exact premium depends on construction, rebuild cost, and documented mitigation — homeowners here may access roughly $556/yr in mitigation-linked discounts and credits.
Does the Colorado FAIR Plan cover Fort Collins?
Colorado’s new insurer of last resort (launched 2025) for homeowners unable to obtain coverage on the open market. Use it as a backstop while you harden your home and re-shop the admitted market. It applies statewide, so Fort Collins homeowners declined by admitted carriers can use it as a backstop.
Can I lower my Fort Collins fire insurance premium?
Yes. Document defensible space, harden the home (Class-A roof, ember-resistant vents, Zone 0 clearance), and pursue IBHS "Wildfire Prepared Home" certification — these unlock 5–25% discounts with participating carriers and can be the difference between a "yes" and a non-renewal.
Colorado fire insurance guide →
Statewide market, FAIR Plan, non-renewal playbook, and every discount available.
Been non-renewed? →
Your rights and the step-by-step path back to coverage after a non-renewal.
FireRisk scores are modeled from federal wildfire data for orientation and are not an insurance rating, an offer of coverage, or a guarantee of price or eligibility. Cost and savings figures are estimates that vary by home, carrier, and year. Verify all coverage with licensed carriers and confirm current programs with your state Department of Insurance. FireRisk.ai is independent; we may be compensated when you request quotes through a partner.