Side-by-side homeowners quotes from 25+ companies for Crowley, CO, from Freedom Insurance Group.
A closer look at Crowley, CO
Crowley is a smaller place with roughly 170 residents and lies within Crowley County.
Crowley does not have big-city tourism headlines, so for insurance the focus is local construction, fire protection access, and regional storm patterns.
Housing here is a mix of single-family homes typical of the Crowley County area, and replacement cost, roof age, and construction type still drive 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 pricing in Crowley, CO
The typical homeowners insurance premium in Crowley, 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 35% lower — near $2,302 per year for a typical home, roughly $2,031 for a $300,000 home, about $2,857 for a $600,000 home, and around $3,718 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 Crowley dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Crowley, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 35% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Home insurance coverage basics
- Dwelling (A): After a covered loss, this limit pays to rebuild the structure; make sure it tracks what rebuilding costs in your area today.
- Coverage B, other structures: This part protects detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Personal property (Coverage C): This covers furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (D): Added costs of living elsewhere during repairs after a covered claim makes it unlivable.
- Coverage E, personal liability: If you are legally responsible for someone else’s injury or property damage in a covered incident, it applies.
- Medical payments (F): It can help pay guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Ways to cut the premium in Crowley, 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% |
Each carrier decides its own discounts and amounts. “Up to” is the high end, not a guarantee.
What moves home insurance rates in Crowley
Crowley homeowners are priced on several interlocking factors that underwriters review when they build a quote. Expect rebuild cost, roof age and material, and local storm or wildfire exposure to move the number most. Deductible choice and claims history can also shift the final price as much as the carrier brand.
Replacement cost is what it would take to rebuild the home with comparable materials at today’s labor and material prices. In Crowley, a larger rebuild estimate, premiums generally go up, as the carrier’s maximum payout grows.
Construction type and roof details also move the price: insurers ask whether walls are frame or masonry, what covers the roof, and how solidly the home is built, because these factors shape performance in the wind, hail, and fire seen across Colorado.
Two Crowley homes with similar rebuild costs might not cost the same due to location risk: scores for storms, hail, wildfire, and crime that shift by ZIP code and neighborhood.
Underwriters score fire protection by protection class and hydrant and station distance; better protection often brings a more competitive price.
Insurers look at claims history on every quote; a recent loss on the property or household often push Crowley renewals and new quotes higher.
Credit-based insurance score, where state rules allow it, is another input; higher scores typically bring lower prices when the carrier uses it.
Crowley, CO home and auto bundling
The amounts shown show average bundling savings, not a promise. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Crowley, Colorado | $258 | $436 | $636 |
Crowley homes by the numbers
Occupied homes in Crowley are heated mostly with utility gas (84%), electricity (8.8%), and propane or other bottled gas (5.3%). Wood stoves and propane tanks should be disclosed when you apply, since they can affect eligibility.
Crowley’s median year built is 1938. Roughly 90% of homes were built before 1980, which means electrical, plumbing, and roof upgrades often come up in underwriting.
Since 2000, Crowley County has appeared in 4 major disaster declarations; the most recent was Covid-19 Pandemic (March 2020).
ACS 2020–2024 estimates put about 83 housing units in Crowley, and owner-occupants live in roughly 74% of the occupied homes. Looking at building types, 93% are detached single-family houses and 7.2% are mobile homes.
NOAA’s Storm Events Database lists 12 hail reports within about 5 miles of Crowley from 2016 through 2025; 8 were one inch or bigger. The biggest measured 1.5 inches in September 2016 around Crowley.
Census counts put Crowley at 187 residents in 2000 and 176 in 2010, and the Census Bureau’s July 2024 estimate is 159. The town has about 15% fewer people than in 2000.
Going further back, the Storm Prediction Center lists 19 hail reports within 5 miles of Crowley between 1955 and 2015, topped by hail of 2.75 inches on July 2, 1965. 1 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 6 tornadoes that began within 10 miles of Crowley from 1950 through 2015; the most powerful, rated F2, touched down on June 18, 1951.
Comparing homes in nearby towns? See our home insurance pages for Olney Springs (5 mi), Manzanola (6 mi), and Ordway (6 mi).
ZIP codes we serve in and around Crowley
81033 · 81034
