Independent agents comparing homeowners quotes from 25+ carriers for Fairmount residents.
Home insurance prices in Fairmount
The typical homeowners insurance premium in Fairmount, CO is about $4,893 annually for a typical local home (typical local home value about $772,600). 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 36% lower — near $3,132 per year for a typical home, roughly $1,999 for a $300,000 home, about $2,813 for a $600,000 home, and around $3,661 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 Fairmount dwelling curve (typical local home value about $772,600). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Fairmount, CO, using a typical local home value of about $772,600. Freedom figures apply an approximate 36% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Fairmount, CO: local context
Fairmount sits in Colorado.
Fairmount sits in Colorado, where routine insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
The housing stock is largely single-family homes typical of Colorado, but replacement cost, roof age, and construction type still explain most premium differences from one house to the next.
Hail, wind, and wildfire risk can push premiums quickly in Front Range communities after active storm seasons.
What a standard home policy includes
When a covered loss hits, this limit rebuilds the structure; make sure it tracks what rebuilding costs in your area today.
It covers detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
Your furniture, clothes, and everyday belongings inside the house are covered here, though some higher-value categories carry special sublimits.
When repairs after a covered claim make the house unlivable, this coverage helps with additional living expenses.
Should you be held legally responsible for bodily injury or property damage to others from a covered event, it applies.
This helps with guest medical bills for injuries that occur on your property, often without needing a formal liability claim.
Savings opportunities for Fairmount, 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% |
Not every carrier offers every discount, and the amounts vary. “Up to” is the high end, not a promise.
Home insurance price factors in Fairmount
A homeowners quote in Fairmount is built from several related inputs underwriters weigh as a group. Most of the price comes from rebuild cost, the roof’s age and material, and exposure to storms or wildfire; your deductible and claims record can move the final premium as much as which carrier you pick.
Rebuilding your house with similar materials at today’s labor and supply prices is what replacement cost captures. The carrier’s exposure moves with the rebuild estimate, so bigger estimates on Fairmount homes tend to mean higher premiums.
Whether walls are frame or masonry, the roofing material, and how well the house is built all influence how a house performs against Colorado’s wind, hail, and fire events, which is why construction type and roof details matter too.
Scores for storms, hail, wildfire, and crime make up location risk, and they can shift from one Fairmount ZIP code or neighborhood to the next, so homes with similar rebuild costs can still get different prices.
Fire protection considers distance to hydrants and fire stations together with the area’s protection class, and stronger protection profiles often support sharper pricing.
Claims filed lately tied to the home or the household can push up rates on Fairmount renewals and new quotes alike, because claims history still weighs heavily.
Credit-based insurance score, where state law permits, is another lever; higher scores typically bring lower premiums when the carrier relies on it.
Fairmount, CO home & auto bundle savings
These show average bundling savings, not a guaranteed quote. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Fairmount, Colorado | $258 | $436 | $636 |
Neighborhoods around Fairmount
- Mount Olivet
- Candlelight
- Meadow Lake
- Rainbow Ridge
- Ralston Estates
What public data says about Fairmount homes
NOAA storm records show 32 hail reports within about 5 miles of Fairmount from 2016 through 2025, 27 of them one inch or larger. The biggest measured 2.75 inches in May 2017 around Edgewater.
The National Risk Index from FEMA shows elevated ratings for hail (“Very High”), tornado (“Relatively High”), wildfire (“Relatively High”), and winter-weather (“Very High”) in Jefferson County.
The median home in Fairmount was built in 1986. Roughly 48% of homes were built before 1980, so electrical, plumbing, and roof upgrades are worth documenting for a quote.
ACS 2020–2024 estimates put about 3,710 housing units in Fairmount, and homeowners occupy roughly 92% of the occupied homes. By structure type, 98% are detached single-family houses.
The USGS GNIS lists these named communities and subdivisions in and around Fairmount: Candlelight, Mount Olivet, Meadow Lake, and Rainbow Ridge. Rates can still differ from one section to the next because of construction era and roof condition.
From 2000 on, Jefferson County has appeared in 4 major disaster declarations; the latest was Severe Storms, Flooding, and Tornadoes (August 2023).
For heat, Fairmount households mostly rely on utility gas (86%) and electricity (12%).
Going further back, SPC data show 101 hail reports within 5 miles of Fairmount between 1955 and 2015, the largest 3 inches on June 13, 1984. Reports of 2-inch or bigger hail number 3 in that span. NOAA Storm Prediction Center records list 12 tornadoes that began within 10 miles of Fairmount from 1950 through 2015; the most powerful, rated F2, touched down on June 3, 1981.
Looking at neighboring communities? We also have home insurance pages for Arvada (3 mi), Applewood (3 mi), and Wheat Ridge (4 mi).
ZIP codes we cover near Fairmount
80403 · 80401
See more Colorado coverage guides
Compare home insurance quotes for Fairmount, CO
In Fairmount, Freedom Insurance Group shops 25+ carriers. Reach us at (800) 253-1482 or request a home quote online.
