Side-by-side homeowners quotes from 25+ companies for Stratmoor, CO, from Freedom Insurance Group.
What makes Stratmoor, CO stand out
Stratmoor counts roughly 6,900 residents in Colorado.
Stratmoor lies within Colorado, where day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family properties like those across Colorado; rebuild cost, roof age, and construction still explain most premium differences block by block.
Hail, wind, and wildfire risk can move premiums quickly in Front Range communities after active storm seasons.
Home insurance prices in Stratmoor, CO
The typical homeowners insurance premium in Stratmoor, CO is about $2,928 annually for a typical local home (typical local home value about $276,000). 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 37% lower — near $1,845 per year for a typical home, roughly $1,968 for a $300,000 home, about $2,769 for a $600,000 home, and around $3,604 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 Stratmoor dwelling curve (typical local home value about $276,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Stratmoor, CO, using a typical local home value of about $276,000. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What a standard home policy includes
- Dwelling (Coverage A): This is the limit that pays to rebuild the structure of your home after a covered loss, and it should keep pace with what rebuilding costs locally right now.
- Coverage B, other structures: Detached garages, sheds, fences, and similar buildings separate from the main house fall here.
- Coverage C, personal property: 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: When repairs after a covered claim make the house unlivable, it can cover added costs like a rental or hotel.
- Personal liability (E): It pays when the law holds you responsible for injuries to others or damage to their property arising from a covered event.
- Medical payments (F): This coverage can help with guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Savings opportunities for Stratmoor, 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% |
Each company decides its own discount menu and sizes. Read “up to” as the ceiling, not what everyone gets.
What moves home insurance rates in Stratmoor
Stratmoor homeowners are priced on several connected factors that underwriters weigh when they build a quote. The deductible you choose and your claims history can move the final premium as much as the choice of carrier, while rebuild cost, the roof’s age and material, and local storm or wildfire risk usually move the number most.
Replacement cost is what it would take to rebuild the home with similar materials at today’s labor and material prices. Larger rebuild estimates for Stratmoor properties generally raise premiums because the carrier’s maximum payout rises with that figure.
Construction type and roof details round out the list: insurers ask frame versus masonry construction, the roofing material, and the overall build quality, because those details shape how it fares in the wind, hail, and fire seen across Colorado.
Location risk reflects storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Stratmoor, so two homes with similar rebuild costs might still quote differently.
Fire protection considers hydrant and fire-station distance together with local protection class, and stronger protection profiles may earn sharper pricing.
Claims history still matters a lot: for Stratmoor homes, a recent claim on the home or household often means higher rates on both renewals and fresh quotes.
In states that allow it, carriers may use a credit-based insurance score, and a better score generally leads to a lower price.
Stratmoor, CO home & auto bundle savings
Illustrative average bundling savings, not guaranteed. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Stratmoor, Colorado | $258 | $436 | $636 |
Neighborhoods around Stratmoor
- Kelker
- Lamplighter
- Courtyards at Quail Lake
- The Enclave at Bayfield
- Mosaicia
- The Bluffs at Spring Creek
Stratmoor homes by the numbers
Census survey estimates (ACS 2020–2024) show about 2,322 housing units in Stratmoor, and owner-occupants live in about 65% of the occupied homes. By structure type, 61% are detached single-family houses, 14% are in buildings with two or more units, and 15% are mobile homes.
Since 2000, El Paso County has appeared in 7 major disaster declarations; the latest was Severe Storms, Flooding, and Tornadoes (August 2023).
Named communities and subdivisions in USGS place-name records near Stratmoor include Skinners, Stratmoor Hills, and Kelker. Each area can price differently based on build era, roof, and fire protection.
Stratmoor’s median year built is 1977. About 58% of homes were built before 1980, so electrical, plumbing, and roof upgrades often come up in underwriting.
NOAA storm records show 118 hail reports within about 5 miles of Stratmoor from 2016 through 2025; 107 were one inch or bigger. Top size was 4 inches in August 2018 near Widefield.
Occupied homes in Stratmoor are heated mostly with utility gas (69%), electricity (27%), and propane or other bottled gas (4.0%). Propane tanks and wood stoves should be disclosed when you apply, because carriers treat them differently.
In FEMA’s National Risk Index, El Paso County rates above the low end for hail (“Relatively High”), tornado (“Relatively High”), wildfire (“Relatively High”), and winter-weather (“Very High”).
Going further back, NOAA’s Storm Prediction Center counts 165 hail reports within 5 miles of Stratmoor between 1955 and 2015; the biggest stones, 2.75 inches, fell on August 19, 1985. 9 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 21 tornadoes that began within 10 miles of Stratmoor from 1950 through 2015; the most powerful, rated F3, touched down on June 24, 1979.
Looking at neighboring communities? See our home insurance pages for Security-Widefield (4 mi), Fort Carson (6 mi), and Colorado Springs (7 mi).
Stratmoor-area ZIP codes we insure
80906 · 80903
