Shopping home coverage for a Campo household should not take all week; Freedom Insurance Group handles the legwork. Call (800) 253-1482 or request a quote online.
Homeowners insurance rates in Campo, CO
| Scenario | Market estimate | FIG illustrated (40% less) |
|---|---|---|
| Typical Campo home (~$400,000) | $3,542/yr | $2,125/yr |
| $300,000 dwelling | $3,124/yr | $1,874/yr |
| $600,000 dwelling | $4,396/yr | $2,638/yr |
| $1,000,000 dwelling | $5,720/yr | $3,432/yr |
The typical homeowners insurance premium in Campo, 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 40% lower — near $2,125 per year for a typical home, roughly $1,874 for a $300,000 home, about $2,638 for a $600,000 home, and around $3,432 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 Campo dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Campo, CO, using a typical local home value of about $400,000. 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.
What moves home insurance rates in Campo
A Campo home insurance price rests on a handful of related inputs underwriters weigh as a group. Look for rebuild cost, the roof’s age and type, and storm and wildfire exposure to drive most of the price. The deductible you pick and your claims record can swing the final premium as much as the carrier brand.
Define replacement cost as what rebuilding would cost your home with comparable materials at present-day prices. Because the carrier’s top payout climbs with the rebuild estimate, bigger estimates for Campo homes generally raise premiums.
Construction type and roof details matter as well: underwriters check whether walls are frame or masonry, what covers the roof, and the overall build quality, because these factors shape how it fares in wind, hail, and fire events common across Colorado.
Location risk explains why neighbors can pay different amounts: insurers grade storm, hail, wildfire, and crime risk by ZIP code and neighborhood in Campo.
Underwriters score fire protection by the local protection class plus the distance to hydrants and stations; better protection usually means a better rate.
Claims filed lately on the property or by the household can push up rates on Campo renewals and new quotes alike, because claims history is a big rating factor.
If state law permits, companies can use a credit-based insurance score, and a stronger score tends to bring a lower price.
Campo, CO: local context
Roughly 105 residents call Campo home and sits in Baca County.
Campo does not have big-city tourism headlines, so what matters for insurance is local construction, fire protection access, and regional storm patterns.
Homes are mostly single-family properties typical of the Baca County area; rebuild cost, roof age, and construction still explain most premium differences from street to street.
On the eastern plains, hail, tornadoes, straight-line wind, and grassland fire are the local risks that move a home quote. Roof age and the wind or hail deductible drive the price.
Home insurance discounts in Campo, 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 differ from carrier to carrier. Read “up to” as the ceiling, not what everyone gets.
The six parts of a home policy
- Coverage A, dwelling: It pays to rebuild your home’s structure after a covered loss, and it should keep pace with current reconstruction costs in your area.
- Other structures (Coverage B): Protection for anything detached from the main house, for example a garage, shed, or fence.
- Coverage C, personal property: Belongings such as furniture and clothing indoors fall under this coverage, though special limits can cap higher-value categories.
- Loss of use (Coverage D): If a covered claim forces you out during repairs, this helps pay the extra living costs.
- Coverage E, personal liability: This applies when you are legally responsible for bodily injury or property damage to others arising from a covered incident.
- Medical payments (Coverage F): When a guest gets hurt on your property, this can pay medical bills, frequently with no formal liability claim.
Bundling home and auto in Campo, CO
The figures below show average bundling savings, not a guaranteed quote. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Campo, Colorado | $258 | $436 | $636 |
Campo housing stock and storm history
On tornadoes, NOAA recorded 1 tornado starting within 10 miles of Campo in 2016–2025, with the strongest at EF0 during July 2023.
Campo’s median year built is 1938. About 87% of homes were built before 1980, which means system and roof updates are worth documenting for a quote.
NOAA’s Storm Events Database lists 6 hail reports within about 5 miles of Campo from 2016 through 2025 (4 at one inch or more). The biggest was 2.75 inches in June 2025 around Campo.
From 2000 on, Baca County has appeared in 5 major disaster declarations; the most recent is Severe Storms, Flooding, and Tornadoes (August 2023).
ACS 2020–2024 estimates put about 61 housing units in Campo, and owners occupy about 81% of the occupied homes. Looking at building types, 97% are detached single-family houses.
The National Risk Index from FEMA shows elevated ratings for strong-wind (“Relatively Moderate”) in Baca County.
Census counts put Campo at 150 residents in 2000 and 109 in 2010, and the Census Bureau’s July 2024 estimate is 97. That is roughly 35% fewer residents than in 2000.
Earlier hail records help too: SPC data show 24 hail reports within 5 miles of Campo between 1955 and 2015, the largest 2.75 inches on July 24, 1973. Reports of 2-inch or bigger hail number 4 in that span. The NOAA Storm Prediction Center database shows 13 tornadoes that began within 10 miles of Campo from 1950 through 2015, the strongest an EF2 on May 31, 2010.
Looking at neighboring communities? See our home insurance pages for Vilas (20 mi), Springfield (21 mi), and Pritchett (24 mi).
ZIP codes we insure in and around Campo
81029
Related Colorado coverage guides
Compare home insurance quotes in Campo, CO
Freedom Insurance Group compares 25+ carriers for Campo residents. To get started, begin a home quote on our site or dial (800) 253-1482.
