Compare more wisely in Pierce with an independent agency that compares carriers and explains the tradeoffs before you buy.
A closer look at Pierce, CO
Pierce is a smaller place with roughly 873 residents and sits in Weld County.
For a smaller Colorado place like Pierce, insurance comes down to local construction, fire protection access, and regional storm patterns rather than tourism headlines.
Homes are mostly single-family properties typical of the Weld County area; replacement cost, roof age, and construction type still drive most premium differences from street to street.
Hail, wind, and wildfire can push premiums quickly in Front Range communities after busy storm years.
What homeowners pay in Pierce
The typical homeowners insurance premium in Pierce, 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 41% lower — near $2,090 per year for a typical home, roughly $1,843 for a $300,000 home, about $2,594 for a $600,000 home, and around $3,375 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 Pierce dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Pierce, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How a homeowners policy is built
- Dwelling (Coverage A): This is the limit that pays to rebuild the structure of your home after a covered loss, and it should track current reconstruction costs in your area.
- Other structures (Coverage B): This portion applies to detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Personal property (Coverage C): Belongings such as furniture and clothing inside the house fall under this coverage, though special limits can cap higher-value categories.
- Coverage D, loss of use: It can help pay additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (Coverage E): This applies when you are legally responsible for bodily injury or property damage to others arising from a covered incident.
- Coverage F, medical payments: This helps with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Ways to cut the premium in Pierce, 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 company chooses its own discount menu and sizes. “Up to” is the high end, not a guaranteed amount.
What moves home insurance rates in Pierce
Multiple interlocking factors go into the price for Pierce homeowners, and carriers review them together before quoting. Look for rebuild cost, the roof’s age and type, and local storm or wildfire exposure to move the number most. The deductible you pick and your claims record can also shift the final price about as much as the carrier brand.
Putting the house back with similar materials at today’s labor and supply prices sets what replacement cost means. Larger rebuild estimates for Pierce properties tend to raise premiums because the carrier’s maximum payout rises with that figure.
Whether walls are frame or masonry, the roofing material, and how well the house is built all shape how a house performs against Colorado’s wind, hail, and fire events, so construction type and roof details count.
Location risk captures storm, hail, wildfire, and crime scores that can vary by ZIP code and neighborhood within Pierce, so two homes with similar rebuild costs may still price differently.
A solid fire protection profile that reflects hydrant distance, station distance, and protection class tends to make a quote more competitive.
Claims history carries real weight: for Pierce homes, recent household or property claims can raise the premium on both renewals and fresh quotes.
Many insurers factor in a credit-based insurance score where permitted; the stronger the score, the lower the premium tends to be.
Pierce homes by the numbers
The median home in Pierce was built in 1990. About 49% of homes predate 1980, so wiring, plumbing, and roof updates often come up in underwriting.
The NOAA Storm Events Database logged 13 hail reports within about 5 miles of Pierce from 2016 through 2025; 11 were one inch or bigger. Top size measured 4.25 inches in June 2017 around Pierce.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”) in Weld County.
On tornadoes, NOAA lists 1 tornado starting within 10 miles of Pierce between 2016 and 2025, with the strongest at EF0 during July 2016.
For heat, Pierce households mostly rely on utility gas (89%) and electricity (5.5%).
Since 2000, Weld County has appeared in 5 major disaster declarations; the latest was Covid-19 Pandemic (March 2020).
ACS 2020–2024 estimates put about 493 housing units in Pierce, and owner-occupants live in about 84% of the occupied homes. Of all units, 82% are detached single-family houses and 16% are mobile homes.
By the historical record, Pierce was founded in 1869 and incorporated on August 30, 1918. Census counts put Pierce at 884 residents in 2000 and 834 in 2010, and the Census Bureau’s July 2024 estimate is 1,087. That is growth of roughly 23% since 2000.
Older NOAA hail logs add more history: SPC data show 21 hail reports within 5 miles of Pierce between 1955 and 2015, the largest 1.75 inches on May 29, 1977. Federal tornado records from NOAA’s Storm Prediction Center list 41 tornadoes that began within 10 miles of Pierce from 1950 through 2015, the strongest an F2 on July 10, 1955.
Comparing homes in nearby towns? Nearby home insurance pages: Ault (5 mi), Nunn (5 mi), and Eaton (9 mi).
ZIP codes we insure in and around Pierce
80650 · 80610
Pierce, CO bundling home and auto
Illustrative average bundling savings, not a quote. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Pierce, Colorado | $258 | $436 | $636 |
Browse Colorado insurance resources
Get home insurance quotes for Pierce, CO
In Pierce, Freedom Insurance Group checks 25+ carriers. Phone (800) 253-1482 or request a home quote online.
