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Todd Creek, CO: the local picture
Todd Creek is home to around 3,768 residents in Colorado.
Todd Creek sits in Colorado, where routine insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family properties like those across Colorado; rebuild cost, roof age, and construction still explain most premium differences block by block.
Front Range communities contend with hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Average home insurance cost in Todd Creek
The typical homeowners insurance premium in Todd Creek, CO is about $5,199 annually for a typical local home (typical local home value about $856,800). 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 $3,275 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 Todd Creek dwelling curve (typical local home value about $856,800). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Todd Creek, CO, using a typical local home value of about $856,800. 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.
How a homeowners policy is built
- Coverage A, dwelling: After a covered loss, this limit rebuilds the structure; make sure it tracks current local reconstruction costs.
- Coverage B, other structures: Protection for anything detached from the main house, such as a fence, shed, or detached garage.
- Personal property (C): Protects what is inside the house: furniture, clothing, and everyday items. Valuables like jewelry may have special limits.
- Loss of use (D): This helps with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Coverage E, personal liability: This coverage responds when you are legally responsible for bodily injury or property damage to others resulting from a covered incident.
- 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.
Home insurance discounts in Todd Creek, 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% |
Every insurer sets its own discounts and amounts. “Up to” shows the maximum, not a guarantee.
Home insurance price factors in Todd Creek
Multiple interlocking factors go into the price for Todd Creek homeowners, and underwriters look at all of them while pricing. The deductible you choose and your claims history can move the final premium as much as the choice of carrier, while rebuild cost, roof age and material, and storm or wildfire exposure usually move the number most.
Define replacement cost as what rebuilding would cost your home using similar materials at today’s labor and material prices. Because the carrier’s top payout climbs with the rebuild estimate, higher estimates for Todd Creek houses tend to push up premiums.
Frame or masonry walls, the roofing material, and general construction quality each affect how the property fares in Colorado’s wind, hail, and fire events, which is why construction type and roof details count.
Storm, hail, wildfire, and crime scores drive location risk, and they vary by ZIP code and neighborhood in Todd Creek, meaning homes with similar rebuild costs may still price differently.
Fire protection counts as well: hydrant access, a close fire station, and the local protection class can each help pricing.
Claims filed lately tied to the home or the household may lift the price on Todd Creek renewals and new quotes alike, because claims history remains a major rating input.
Credit-based insurance score, where state rules allow it, is another lever; higher scores typically bring lower premiums when the carrier uses it.
Neighborhoods around Todd Creek
- Todd Creek Riverside
- Heritage Todd Creek
- Lakeview Estates
- Todd Creek Waterside
Local housing and storm data: Todd Creek
The NOAA Storm Events Database logged 25 hail reports within about 5 miles of Todd Creek from 2016 through 2025, 19 of them one inch or larger. The biggest was 2.75 inches in June 2018 near Brighton.
Half of Todd Creek’s homes were built in or before 2006. About 26% of homes went up in 2010 or later, and discounts for newer construction come up often.
In FEMA’s National Risk Index, Adams County rates above the low end for hail (“Very High”), tornado (“Relatively High”), winter-weather (“Very High”), and strong-wind (“Relatively High”).
Tornadoes are part of the picture too: NOAA lists 4 tornadoes touching down within 10 miles of Todd Creek in 2016–2025, the most intense an EF0 in May 2019.
Since 2000, Adams County has been part of 4 major disaster declarations; the latest was Covid-19 Pandemic (March 2020).
Occupied homes in Todd Creek are heated mostly with utility gas (86%) and electricity (11%).
ACS 2020–2024 estimates put about 1,808 housing units in Todd Creek, and owners occupy about 98% of the occupied homes. By structure type, 99% are detached single-family houses.
Going further back, SPC data show 35 hail reports within 5 miles of Todd Creek between 1955 and 2015, the largest 2.75 inches on May 26, 2010. Reports of 2-inch or bigger hail number 6 in that span. The NOAA Storm Prediction Center database shows 57 tornadoes that began within 10 miles of Todd Creek from 1950 through 2015, the strongest an F2 on June 3, 1981. Along its full path, that storm was blamed for 42 injuries.
Comparing homes in nearby towns? Nearby home insurance pages: Brighton (4 mi), Thornton (6 mi), and Dacono (7 mi).
Where we write coverage around Todd Creek
80602 · 80601 · 80229
Todd Creek, CO home and auto bundling
The figures below are illustrated averages for bundling, not a promise. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Todd Creek, Colorado | $258 | $436 | $636 |
Keep exploring Colorado coverage options
Price homeowners coverage in Todd Creek, CO
In Todd Creek, Freedom Insurance Group compares 25+ carriers. Next step: request a home quote online or dial (800) 253-1482.
