Compare more wisely in Fairplay with an independent agency that compares carriers and explains the tradeoffs before you buy.
About Fairplay, CO
Fairplay is a small community of about 681 residents and lies within Park County.
In a smaller Colorado community such as Fairplay, insurance comes down to local construction, fire protection access, and regional storm patterns more than any big-city headline.
Most homes are single-family properties typical of the Park County area; rebuild cost, roof age, and construction still explain most premium differences block by block.
Front Range communities contend with hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Average home insurance cost in Fairplay
The typical homeowners insurance premium in Fairplay, CO is about $3,542 annually for a typical local home (typical local home value about $400,000). For a $300,000 dwelling, expect around $3,124 per year; for a $600,000 home about $4,396; and for a $1,000,000 dwelling about $5,720. Freedom Insurance Group rates are often about 39% lower — near $2,161 per year for a typical home, roughly $1,906 for a $300,000 home, about $2,682 for a $600,000 home, and around $3,489 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,429 |
| $200,000 – $300,000 | $2,715 |
| $300,000 – $400,000 | $3,333 |
| $400,000 – $500,000 | $3,773 |
| $500,000 – $600,000 | $4,200 |
| $600,000 – $700,000 | $4,534 |
| $700,000 – $800,000 | $4,811 |
| $800,000 – $900,000 | $5,174 |
| $900,000 – $1,000,000 | $5,537 |
Band premiums are midpoints on the Fairplay dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Fairplay, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How a homeowners policy is built
- Coverage A, dwelling: This limit pays to rebuild the house itself after a covered loss, and it should keep pace with local rebuilding costs today.
- Coverage B, other structures: Protection for anything detached from the main house, such as a garage, shed, or fence.
- Coverage C, personal property: Belongings such as furniture and clothing inside the house are protected, but certain valuable items have lower limits.
- Loss of use (Coverage D): Temporary housing and related costs until repairs are done after a covered claim leaves it uninhabitable.
- Coverage E, personal liability: Should you be held legally responsible for bodily injury or property damage to others after a covered incident, it applies.
- Medical payments (F): Medical bills for guests injured on your property, usually handled without a liability claim.
Home insurance discounts in Fairplay, CO
| 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% |
Which discounts apply and how much they are worth depend on the carrier. Read “up to” as the top end, not a guarantee.
What affects home insurance costs in Fairplay
Multiple interlocking factors determine the price for Fairplay homeowners, and underwriters look at all of them before quoting. Deductible choice and past claims can move the final premium 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.
Rebuilding the home with similar materials at today’s labor and supply prices is what replacement cost means. Since the carrier’s maximum payout rises with the rebuild estimate, bigger estimates for Fairplay properties generally raise premiums.
Whether walls are frame or masonry, what the roof is made of, and general construction quality all shape how the home holds up against Colorado’s wind, hail, and fire events, which is why construction type and roof details matter too.
Similar Fairplay houses with close rebuild estimates might not cost the same thanks to location risk: storm, hail, wildfire, and crime scores that change by ZIP code and neighborhood.
Fire protection counts as well: a hydrant close by, quick fire-station response, and a strong protection class can each help pricing.
Claims history is still a major rating input: recent claims on the property or household often increase rates for Fairplay renewals and new business quotes alike.
Some carriers factor in a credit-based insurance score where the state allows; higher scores generally bring lower prices.
What public data says about Fairplay homes
From 2000 on, Park County has appeared in 3 major disaster declarations; the latest was Covid-19 Pandemic (March 2020).
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”) and wildfire (“Relatively Moderate”) in Park County.
Census survey estimates (ACS 2020–2024) show about 712 housing units in Fairplay, and owner-occupants live in close to 45% of the occupied homes. By structure type, 47% are detached single-family houses, 39% are in buildings with two or more units, and 7.3% are mobile homes.
Occupied homes in Fairplay are heated mostly with utility gas (73%), electricity (19%), and propane or other bottled gas (7.5%). Propane tanks and wood stoves should be disclosed when you apply, since they can affect eligibility.
Half of Fairplay’s homes were built in or before 1994. About 32% of homes were built before 1980, so wiring, plumbing, and roof updates often come up in underwriting.
NOAA storm records show 1 hail report within about 5 miles of Fairplay from 2016 through 2025, and it was at least one inch across. The largest measured 1 inch in June 2024 around Alma.
Local history records show Fairplay was settled in 1859 and incorporated on November 15, 1872. The Census Bureau counted 610 people in Fairplay at the 2000 Census and 679 at the 2010 Census; its July 2024 estimate is 755. Growth since 2000 comes to roughly 24%.
NOAA Storm Prediction Center records list 1 tornado that began within 10 miles of Fairplay from 1950 through 2015, rated F2, on June 13, 1977.
Shopping around the area? We also have home insurance pages for Alma (6 mi), Blue River (16 mi), and Leadville (16 mi).
ZIP codes we cover in and around Fairplay
80440
Home-and-auto bundles in Fairplay, CO
The figures below show average bundling savings, not a promise. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Fairplay, Colorado | $258 | $436 | $636 |
More Colorado insurance pages
Compare home insurance quotes in Fairplay, CO
Freedom Insurance Group shops 25+ carriers for Fairplay households. To get started, start a free home quote on our site or call (800) 253-1482.
