Use Freedom Insurance Group to compare homeowners insurance quotes in Fleming, CO. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average homeowners insurance cost in Fleming, CO
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$400,000) | $3,542 | $2,302 |
| $300,000 dwelling | $3,124 | $2,031 |
| $600,000 dwelling | $4,396 | $2,857 |
| $1,000,000 dwelling | $5,720 | $3,718 |
The typical homeowners insurance premium in Fleming, 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 Fleming dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Fleming, 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.
What makes Fleming, CO stand out
Fleming is a small community of about 403 residents and sits in Logan County.
For a smaller Colorado place like Fleming, the insurance picture centers on local construction, fire protection access, and regional storm patterns more than any big-city headline.
Most homes are single-family houses typical of the Logan County area; replacement cost, roof age, and construction type still drive most premium differences block by block.
Hail, wind, and wildfire can move premiums quickly in Front Range communities after busy storm years.
What affects home insurance prices in Fleming
Multiple interlocking factors shape a Fleming home premium, and carriers review them together before quoting. Expect rebuild cost, the roof’s age and type, and storm and wildfire exposure to drive most of the price. Deductible choice and claims history may move the final premium about as much as choosing one carrier over another.
Think of replacement cost as what rebuilding would cost the house with comparable materials at current labor and supply costs. In Fleming, a larger rebuild estimate, the price tends to climb, since the carrier could owe more.
Whether walls are frame or masonry, the roof covering, and how well the house is built each affect how the property fares in Colorado’s wind, hail, and fire events, which is why construction type and roof details matter too.
Storm, hail, wildfire, and crime scores make up location risk, and they vary by ZIP code and neighborhood in Fleming, meaning homes with similar rebuild costs may still price differently.
A solid fire protection profile based on the protection class and nearby hydrants and stations tends to make the premium lower.
Carriers check claims history closely; a recent loss tied to the home or the people in it often push rates up for Fleming renewals and new policies.
Credit-based insurance score, where permitted by state rules, is another lever; higher scores typically bring cheaper premiums when the carrier uses it.
Homeowners discounts in Fleming, 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 sets which discounts it offers and how large they are. “Up to” marks the top of the range, not a guaranteed amount.
Coverage basics for homeowners
- Dwelling (Coverage A): Following a covered loss, this coverage covers rebuilding the house itself; set it to match current local reconstruction costs.
- Coverage B, other structures: A detached garage, a shed, a fence, or similar buildings not attached to the home fall here.
- Personal property (C): Pays for belongings in the home: furniture, clothing, and everyday items. Pricier categories often carry sublimits.
- Coverage D, loss of use: This coverage can help with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (Coverage E): When you are found legally liable for bodily injury or property damage to others in a covered incident, it applies.
- Medical payments (Coverage F): For guests injured on your property, it helps with their medical bills, usually without a liability claim being filed.
Home-and-auto bundles in Fleming, CO
Illustrated average bundle savings, not guaranteed. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Fleming, Colorado | $258 | $436 | $636 |
Fleming homes by the numbers
The median home in Fleming was built in 1960. Roughly 78% of homes predate 1980, so electrical, plumbing, and roof upgrades can change eligibility and price.
From 2000 on, Logan County has appeared in 5 major disaster declarations; the most recent is Severe Storms, Flooding, and Tornadoes (August 2023).
Census survey estimates (ACS 2020–2024) show about 279 housing units in Fleming, and owners occupy about 73% of the occupied homes. Looking at building types, 77% are detached single-family houses and 18% are mobile homes.
Tornado history matters here as well: NOAA lists 7 tornadoes starting within 10 miles of Fleming in 2016–2025, the most intense an EF2 during September 2019.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively High”), tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively High”) in Logan County.
Occupied homes in Fleming are heated mostly with utility gas (73%), propane or other bottled gas (13%), and electricity (12%). Propane tanks and wood stoves are items underwriters ask about, because carriers treat them differently.
NOAA’s Storm Events Database lists 8 hail reports within about 5 miles of Fleming from 2016 through 2025 (8 at one inch or more). The largest was 2.75 inches in August 2018 around Fleming.
Fleming’s population went from 426 at the 2000 Census to 408 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 422. Numbers have held fairly steady since 2000.
Earlier hail records help too: SPC data show 30 hail reports within 5 miles of Fleming between 1955 and 2015, topped by hail of 2.75 inches on June 7, 1968. 7 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 21 tornadoes that began within 10 miles of Fleming from 1950 through 2015; the most powerful, rated F3, touched down on July 5, 2000.
Comparing homes in nearby towns? See our home insurance pages for Haxtun (11 mi), Crook (12 mi), and Iliff (13 mi).
ZIP codes we cover in and around Fleming
80728
More Colorado coverage resources
Compare home insurance quotes for Fleming, CO
Freedom Insurance Group checks 25+ carriers for Fleming households. Reach us at (800) 253-1482 or start a free home quote online.
