Independent agents comparing homeowners quotes from 25+ carriers for Frederick residents.
What home insurance costs in Frederick
The typical homeowners insurance premium in Frederick, CO is about $4,495 annually for a typical local home (typical local home value about $529,800). For a $300,000 dwelling, expect around $3,408 per year; for a $600,000 home about $4,795; and for a $1,000,000 dwelling about $6,240. Freedom Insurance Group rates are often about 40% lower — near $2,697 per year for a typical home, roughly $2,045 for a $300,000 home, about $2,877 for a $600,000 home, and around $3,744 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,650 |
| $200,000 – $300,000 | $2,962 |
| $300,000 – $400,000 | $3,636 |
| $400,000 – $500,000 | $4,116 |
| $500,000 – $600,000 | $4,582 |
| $600,000 – $700,000 | $4,946 |
| $700,000 – $800,000 | $5,249 |
| $800,000 – $900,000 | $5,645 |
| $900,000 – $1,000,000 | $6,041 |
Band premiums are midpoints on the Frederick dwelling curve (typical local home value about $529,800). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Frederick, CO, using a typical local home value of about $529,800. Freedom figures apply an approximate 40% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
A closer look at Frederick, CO
Frederick has around 11,413 residents, located in Weld County.
Frederick lies within the Weld County area, where day-to-day insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family houses typical of the Weld County area; replacement cost, roof age, and construction type still explain most premium differences block by block.
Front Range communities face hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
What a standard home policy includes
This limit pays to rebuild your home’s structure after a covered loss, and it should match current reconstruction costs in your area.
This portion applies to detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
If a covered claim forces you out during repairs, it can cover added costs like a rental or hotel.
This applies when you are legally responsible for harm to other people or their property resulting from a covered incident.
This coverage can help with guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Savings opportunities for Frederick, CO homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Each company decides its own discounts and amounts. “Up to” shows the maximum, not a guaranteed amount.
Why Frederick home insurance quotes differ
Frederick homeowners are priced on several related factors that underwriters check when they build a quote. Deductible choice and past claims can change the final price as much as the choice of carrier, while rebuild cost, the roof’s age and material, and local storm or wildfire risk typically matter most.
Define replacement cost as what rebuilding would cost the home with comparable materials at present-day prices. Because the carrier’s maximum payout grows with the rebuild estimate, bigger estimates for Frederick homes usually lift premiums.
Frame or masonry walls, the roofing material, and overall build quality all influence how a house performs against Colorado’s wind, hail, and fire events, so construction type and roof details count.
Scores for storms, hail, wildfire, and crime drive location risk, which can change by ZIP code and neighborhood in Frederick, meaning houses with comparable rebuild costs can still get different prices.
Fire protection weighs distance to hydrants and fire stations together with the local protection class, and better protection ratings often support sharper pricing.
Claims history is a heavy factor: in Frederick, claims in the last few years can raise the premium on both renewals and fresh quotes.
Credit-based insurance score, where state rules allow it, is another lever; better scores generally line up with lower prices when the carrier uses that factor.
Bundling home and auto in Frederick, CO
The amounts shown illustrate average bundle savings, not a quote. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Frederick, Colorado | $258 | $436 | $636 |
Neighborhoods in Frederick
- Countryside
- Westview
- Silverstone
What public data says about Frederick homes
Since 2000, Weld County has been part of 5 major disaster declarations; the most recent was Covid-19 Pandemic (March 2020).
NOAA storm records show 59 hail reports within about 6 miles of Frederick from 2016 through 2025, 48 of them one inch or larger. Top size measured 2.5 inches in June 2018 around Frederick.
Named communities and subdivisions in USGS place-name records near Frederick include Evanston, Puritan, Firestone, Idaho Creek, and Dacono. Rates can still differ from one section to the next because of construction era and roof condition.
Occupied homes in Frederick are heated mostly with utility gas (88%) and electricity (11%).
Tornadoes are part of the picture too: NOAA lists 1 tornado starting within 10 miles of Frederick over 2016–2025, the most intense an EF2 in June 2021.
In FEMA’s National Risk Index, Weld County rates above the low end for hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”).
The median home in Frederick was built in 2008. Roughly 43% of homes were built in 2010 or later, and discounts for newer construction are often in play.
ACS 2020–2024 estimates put about 5,930 housing units in Frederick, and owners occupy roughly 95% of the occupied homes. Looking at building types, 95% are detached single-family houses.
The town is named for Frederick A. Clark. Census counts put Frederick at 2,467 residents in 2000 and 8,679 in 2010, and the Census Bureau’s July 2024 estimate is 17,937. Growth since 2000 comes to roughly 627%.
Going further back, NOAA’s Storm Prediction Center counts 13 hail reports within 5 miles of Frederick between 1955 and 2015; the biggest stones, 1.5 inches, fell on July 6, 1996. Federal tornado records from NOAA’s Storm Prediction Center list 39 tornadoes that began within 10 miles of Frederick from 1950 through 2015; the most powerful, rated F2, touched down on June 5, 1988.
Shopping around the area? We also have home insurance pages for Dacono (3 mi), Firestone (4 mi), and Erie (6 mi).
Where we write coverage around Frederick
80504 · 80514 · 80516 · 80530
More Colorado coverage resources
Request home insurance quotes for Frederick, CO
Freedom Insurance Group compares 25+ carriers for Frederick residents. Ready when you are: start a free home quote online or call (800) 253-1482.
