Compare more wisely in Silver Plume with an independent agency that shops multiple carriers and explains the tradeoffs before you buy.
What makes Silver Plume, CO unique
Silver Plume is a smaller place with about 174 residents in Clear Creek County.
For a smaller Colorado place like Silver Plume, insurance comes down to local construction, fire protection access, and regional storm patterns rather than tourism headlines.
Housing here is largely single-family homes typical of the Clear Creek County area, and replacement cost, roof age, and construction type still drive most premium differences from street to street.
Hail, wind, and wildfire risk can move premiums quickly in Front Range communities after busy storm years.
Average cost of homeowners insurance in Silver Plume
The typical homeowners insurance premium in Silver Plume, 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 Silver Plume dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Silver Plume, 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.
Homeowners policy coverages, A through F
- Coverage A, dwelling: Rebuilding funds for the home itself after a covered loss. Set it to follow local rebuilding prices.
- Other structures (Coverage B): This part protects detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Coverage C, personal property: This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Coverage D, loss of use: While a covered loss keeps you out of the home, it can cover the extra living costs.
- Coverage E, personal liability: This applies when you are legally responsible for bodily injury or property damage to others caused by a covered incident.
- Coverage F, medical payments: For guests injured on your property, this can pay medical bills, often without a formal liability claim.
Homeowners discounts in Silver Plume, 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% |
Which discounts apply and how much they are worth depend on the carrier. Read “up to” as the ceiling, not what everyone gets.
Home insurance price factors in Silver Plume
Carriers put together a Silver Plume policy quote from several connected factors reviewed together. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Think of replacement cost as the cost to rebuild the house using similar materials at present-day prices. Since the carrier’s maximum payout climbs with the rebuild estimate, larger figures for Silver Plume properties generally raise premiums.
Construction type and roof details round out the list: underwriters check whether walls are frame or masonry, the roof covering, and the overall build quality, because those details decide performance in wind, hail, and fire events common across Colorado.
Storm, hail, wildfire, and crime scores feed into location risk, which can change by ZIP code and neighborhood in Silver Plume, meaning homes with similar rebuild costs may still price differently.
Fire protection plays in as well: hydrant access, quick fire-station response, and a good protection class rating can each help the premium.
Carriers check claims history closely; a recent loss tied to the home or the people in it often push rates up for Silver Plume renewals and new policies.
Credit-based insurance score can move the price where it is permitted: insurers relying on it usually charge less for stronger scores.
Silver Plume housing stock and storm history
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”) and wildfire (“Relatively Moderate”) in Clear Creek County.
No hail reports from 2016–2025 fall within about 5 miles of Silver Plume in NOAA’s database, though Clear Creek County logged 3 hail reports countywide, topping out at 1 inch.
Silver Plume’s median year built is 1938. About 86% of homes were built before 1980, so wiring, plumbing, and roof updates often come up in underwriting.
Home heating in Silver Plume runs mainly on utility gas (81%) and electricity (16%).
The Census Bureau’s 2020–2024 American Community Survey counts about 131 housing units in Silver Plume, and owner-occupants live in about 73% of the occupied homes. By structure type, 77% are detached single-family houses and 19% are in buildings with two or more units.
Since 2000, Clear Creek County has been part of 3 major disaster declarations; the latest was Covid-19 Pandemic (March 2020).
Silver Plume was incorporated on September 24, 1880. Silver Plume’s population went from 203 at the 2000 Census to 170 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 188. The population has stayed fairly steady since 2000.
Federal tornado records from NOAA’s Storm Prediction Center list 1 tornado that began within 10 miles of Silver Plume from 1950 through 2015: an EF0 on July 28, 2012.
Looking at neighboring communities? See our home insurance pages for Georgetown (2 mi), Empire (5 mi), and Idaho Springs (12 mi).
Where we write coverage around Silver Plume
80476 · 80444
Bundling home and auto in Silver Plume, CO
Illustrative average bundling savings, not a guaranteed quote. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Silver Plume, Colorado | $258 | $436 | $636 |
More Colorado insurance pages
Quote homeowners coverage in Silver Plume, CO
Freedom Insurance Group compares 25+ carriers on behalf of Silver Plume residents. Request a free home quote online or call (800) 253-1482.
