Compare more wisely in Akron with an independent agency that compares carriers and explains the tradeoffs before you buy.
What makes Akron, CO unique
Akron counts about 1,724 residents in Washington County.
For a smaller Colorado place like Akron, insurance comes down to local construction, fire protection access, and regional storm patterns rather than tourism headlines.
The housing stock is largely single-family homes typical of the Washington County area, but replacement cost, roof age, and construction type still account for most premium differences from street to street.
On the eastern plains, hail, tornadoes, straight-line wind, and grassland fire are the local risks that change a home quote. Roof age and the wind or hail deductible move the price.
What homeowners pay in Akron
The typical homeowners insurance premium in Akron, CO is about $2,597 annually for a typical local home (typical local home value about $230,000). For a $300,000 dwelling, expect around $3,053 per year; for a $600,000 home about $4,296; and for a $1,000,000 dwelling about $5,590. Freedom Insurance Group rates are often about 37% lower — near $1,636 per year for a typical home, roughly $1,923 for a $300,000 home, about $2,706 for a $600,000 home, and around $3,522 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,374 |
| $200,000 – $300,000 | $2,653 |
| $300,000 – $400,000 | $3,257 |
| $400,000 – $500,000 | $3,687 |
| $500,000 – $600,000 | $4,104 |
| $600,000 – $700,000 | $4,431 |
| $700,000 – $800,000 | $4,702 |
| $800,000 – $900,000 | $5,057 |
| $900,000 – $1,000,000 | $5,412 |
Band premiums are midpoints on the Akron dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Akron, CO, using a typical local home value of about $230,000. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What a standard home policy includes
- Dwelling (A): Rebuilding funds for the home itself after a covered loss. Match it to reconstruction costs in your area.
- Other structures (B): This handles buildings set apart from the house, like a shed, fence, or garage.
- Coverage C, personal property: Belongings such as furniture and clothing inside the house are protected, but some higher-value categories carry special sublimits.
- Loss of use (Coverage D): This helps with additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Coverage E, personal liability: This applies when you are legally responsible for harm to other people or their property arising from a covered incident.
- Medical payments (F): Medical costs for a guest hurt at your home, usually handled without a liability claim.
Homeowners discounts in Akron, 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% |
Not every carrier offers every discount, and sizes vary. Read “up to” as the maximum, not what everyone gets.
How Akron home insurance premiums differ
Insurers price an Akron homeowners quote from several interlocking factors that work together. The biggest movers are usually rebuild cost, the roof’s age and material, and exposure to storms or wildfire; deductible choice and claims history can change the final premium as much as the carrier brand itself.
Rebuilding your house in comparable materials at today’s labor and supply prices sets what replacement cost captures. The maximum payout follows the rebuild estimate, so higher figures for Akron properties usually mean a higher price.
Construction type and roof details play a role too: frame versus masonry walls, the roof covering, and overall build quality shape how a property holds up in the wind, hail, and fire events common across Colorado.
Two Akron homes with similar rebuild costs may still get different quotes thanks to location risk: scores for storms, hail, wildfire, and crime that vary by ZIP code and neighborhood.
A better fire protection rating that reflects close hydrants, a nearby station, and a good protection class often makes the premium lower.
Claims history still matters a lot: in Akron, a recent claim on the home or household often means higher rates at renewal and on new quotes.
Credit-based insurance score, where permitted by state rules, is another lever; stronger scores usually correlate with lower premiums when the carrier relies on it.
Housing and weather facts for Akron
Akron’s median year built is 1956. About 85% of homes were built before 1980, which means wiring, plumbing, and roof updates often come up in underwriting.
In FEMA’s National Risk Index, Washington County rates above the low end for hail (“Relatively Moderate”) and strong-wind (“Relatively Moderate”).
From 2000 on, Washington County has appeared in 6 major disaster declarations; the latest was Severe Storms, Flooding, and Tornadoes (August 2023).
ACS 2020–2024 estimates put about 889 housing units in Akron, and owner-occupants live in close to 75% of the occupied homes. By structure type, 86% are detached single-family houses, 8.5% are in buildings with two or more units, and 4.2% are mobile homes.
NOAA storm records show 28 hail reports within about 5 miles of Akron from 2016 through 2025, 27 of them one inch or larger. The biggest was 4 inches in May 2024 around Akron.
For heat, Akron households mostly rely on utility gas (69%), electricity (25%), and propane or other bottled gas (5.0%). Wood stoves and propane tanks should be disclosed when you apply, because some carriers price or inspect them.
Tornado history matters here as well: NOAA recorded 34 tornadoes starting within 10 miles of Akron in 2016–2025, the strongest rated EF2 in June 2023.
Census counts put Akron at 1,711 residents in 2000 and 1,702 in 2010, and the Census Bureau’s July 2024 estimate is 1,745. Numbers have held fairly steady since 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 58 hail reports within 5 miles of Akron between 1955 and 2015; the biggest stones, 3 inches, fell on May 25, 1962. 12 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 37 tornadoes that began within 10 miles of Akron from 1950 through 2015; the strongest was an F3 on May 10, 1975.
Looking at neighboring communities? See our home insurance pages for Otis (14 mi), Hillrose (19 mi), and Brush (23 mi).
ZIP codes we insure in and around Akron
80720
Akron, CO home & auto bundle savings
These 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 |
|---|---|---|---|
| Akron, Colorado | $258 | $436 | $636 |
Related Colorado insurance guides
Shop homeowners coverage for Akron, CO
Freedom Insurance Group shops 25+ carriers on behalf of Akron residents. Request a free home quote online or phone (800) 253-1482.
