Compare, with Freedom Insurance Group, homeowners insurance quotes in Ordway, CO. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average cost of home insurance in Ordway, CO
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$400,000) | $3,542 | $2,054 |
| $300,000 dwelling | $3,124 | $1,812 |
| $600,000 dwelling | $4,396 | $2,550 |
| $1,000,000 dwelling | $5,720 | $3,318 |
The typical homeowners insurance premium in Ordway, 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 42% lower — near $2,054 per year for a typical home, roughly $1,812 for a $300,000 home, about $2,550 for a $600,000 home, and around $3,318 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 Ordway dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Ordway, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Ordway, CO: the local picture
Roughly 1,032 people live in Ordway, located in Crowley County.
In a smaller Colorado community such as Ordway, what matters for insurance is local construction, fire protection access, and regional storm patterns.
The housing stock is largely single-family homes typical of the Crowley County area, but 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 change a home quote. Roof age and the wind or hail deductible shift the price.
Premium drivers for homeowners in Ordway
Ordway homeowners are priced on several interlocking factors that underwriters weigh when they build a quote. The deductible you choose and your claims history can change the final price as much as the carrier brand itself, while rebuild cost, roof age and material, and storm or wildfire exposure tend to dominate.
Define replacement cost as what rebuilding would cost the house using similar materials at current labor and supply costs. The carrier’s exposure tracks the rebuild estimate, so bigger estimates on Ordway homes usually mean higher premiums.
Whether walls are frame or masonry, the roof covering, and how well the house is built all influence how a house performs in the wind, hail, and fire common across Colorado, which is why construction type and roof details count.
Similar Ordway houses with matching rebuild costs can still price differently due to location risk: storm, hail, wildfire, and crime scores that change by ZIP code and neighborhood.
Fire protection plays in as well: hydrant access, a short drive to the fire station, and a good protection class rating can each help pricing.
Recent claims tied to the home or the household can push up premiums on Ordway renewals and new quotes alike, since claims history still weighs heavily.
Credit-based insurance score can move the price in states that allow it: carriers that use it tend to price lower to applicants with better scores.
Common discounts for Ordway, 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 sizes vary. “Up to” shows the maximum, not a promise.
Coverage basics for homeowners
- Dwelling (A): This limit pays to rebuild your home’s structure after a covered loss, and it should track what rebuilding costs locally right now.
- Other structures (Coverage B): This part protects detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Personal property (Coverage C): Protects what is inside the house: furniture, clothing, and everyday items. Higher-value categories can be subject to special limits.
- Coverage D, loss of use: Added costs of living elsewhere while the home is being repaired after a covered claim makes it unlivable.
- Personal liability (E): Coverage for times when the law holds you responsible for another person’s injury or property damage arising from a covered event.
- Medical payments (Coverage F): Visitors’ medical expenses after an injury on your property, often paid without a liability claim.
Bundling home and auto in Ordway, CO
The amounts shown show average bundling savings, not a promise. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Ordway, Colorado | $258 | $436 | $636 |
Local housing and storm data: Ordway
The NOAA Storm Events Database logged 4 hail reports within about 5 miles of Ordway from 2016 through 2025 (4 at one inch or more). The largest measured 2 inches in July 2016 around Ordway.
Half of Ordway’s homes were built in or before 1968. Roughly 72% of homes were built before 1980, which means electrical, plumbing, and roof upgrades are worth documenting for a quote.
Since 2000, Crowley County has appeared in 4 major disaster declarations; the most recent is Covid-19 Pandemic (March 2020).
Occupied homes in Ordway are heated mostly with utility gas (80%), electricity (15%), and propane or other bottled gas (3.2%). Wood stoves and propane tanks are worth mentioning on an application, because they can affect eligibility.
ACS 2020–2024 estimates put about 672 housing units in Ordway, and owner-occupants live in about 63% of the occupied homes. Of all units, 74% are detached single-family houses, 21% are in buildings with two or more units, and 5.7% are mobile homes.
The Census Bureau counted 1,248 people in Ordway at the 2000 Census and 1,080 at the 2010 Census; its July 2024 estimate is 1,067. The town has about 15% fewer people than in 2000.
Earlier hail records help too: SPC data show 29 hail reports within 5 miles of Ordway between 1955 and 2015, the largest 2.75 inches on July 2, 1965. Reports of 2-inch or bigger hail number 2 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 8 tornadoes that began within 10 miles of Ordway from 1950 through 2015; the strongest was an F2 on May 23, 1965.
Shopping around the area? See our home insurance pages for Sugar (5 mi), Crowley (6 mi), and Manzanola (10 mi).
ZIP codes we cover near Ordway
81063
Related Colorado insurance guides
Ordway, CO home insurance quotes
Freedom Insurance Group compares 25+ carriers on behalf of Ordway residents. Call (800) 253-1482 or begin a free home quote online.
