Shop smarter in Wray with an independent agency that compares carriers and explains the tradeoffs before you buy.
What makes Wray, CO different
Wray is home to about 2,378 residents and sits in Yuma County.
Wray is not known for big-city tourism headlines, and what matters for insurance is local construction, fire protection access, and regional storm patterns.
Local housing is largely single-family homes typical of the Yuma County area, and replacement cost, roof age, and construction type still account for most premium differences block by block.
On the eastern plains, hail, tornadoes, straight-line wind, and grassland fire are the local risks that move a home quote. Roof age and the wind or hail deductible drive the price.
What homeowners pay in Wray
The typical homeowners insurance premium in Wray, CO is about $2,597 annually for a typical local home (typical local home value about $230,000). For a $300,000 dwelling, expect around $3,053 per year; for a $600,000 home about $4,296; and for a $1,000,000 dwelling about $5,590. Freedom Insurance Group rates are often about 36% lower — near $1,662 per year for a typical home, roughly $1,954 for a $300,000 home, about $2,749 for a $600,000 home, and around $3,578 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,374 |
| $200,000 – $300,000 | $2,653 |
| $300,000 – $400,000 | $3,257 |
| $400,000 – $500,000 | $3,687 |
| $500,000 – $600,000 | $4,104 |
| $600,000 – $700,000 | $4,431 |
| $700,000 – $800,000 | $4,702 |
| $800,000 – $900,000 | $5,057 |
| $900,000 – $1,000,000 | $5,412 |
Band premiums are midpoints on the Wray dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Wray, CO, using a typical local home value of about $230,000. Freedom figures apply an approximate 36% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Coverage basics for homeowners
- Dwelling (A): Rebuilding funds for the home itself after a covered loss. Set it to follow local rebuilding prices.
- Coverage B, other structures: It covers detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Personal property (C): Covers the contents of the home: furniture, clothing, and everyday items. Higher-value categories may have special limits.
- Loss of use (D): It can help pay additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (Coverage E): Should you be held legally responsible for someone else’s injury or property damage in a covered incident, it applies.
- Coverage F, medical payments: This coverage can help with guest medical bills for injuries that occur on your property, often without needing a formal liability claim.
Home insurance discounts in Wray, 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 vary by carrier. “Up to” marks the top of the range, not a guarantee.
How Wray home insurance prices vary
Wray homeowners are priced on several connected factors that underwriters check when they build a quote. The heaviest factors are typically rebuild cost, roof age and material, and exposure to storms or wildfire; your deductible and claims record can swing the final premium as much as the company you choose.
Rebuilding your house with similar materials at current labor and material costs defines what replacement cost means. Bigger rebuild figures for Wray properties usually push up premiums since the carrier’s maximum payout rises with that figure.
Frame or masonry walls, what the roof is made of, and general construction quality all shape how the property fares in 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 change by ZIP code and neighborhood within Wray, so two homes with similar rebuild costs can still get different prices.
Fire protection considers how far the home sits from hydrants and stations together with the local protection class, and stronger protection profiles can support sharper pricing.
Carriers check claims history closely; recent claims on the property or household often push the price up whether the Wray policy is new or renewing.
Credit-based insurance score can move the price where it is permitted: carriers that use it tend to price lower when scores are higher.
What public data says about Wray homes
NOAA storm records show 48 hail reports within about 5 miles of Wray from 2016 through 2025, 36 of them one inch or larger. The largest was 2.75 inches in May 2023 near Wray.
Tornadoes are part of the picture too: NOAA recorded 4 tornadoes starting within 10 miles of Wray over 2016–2025, the most intense an EF2 in May 2016.
ACS 2020–2024 estimates put about 966 housing units in Wray, and owner-occupants live in roughly 57% of the occupied homes. Of all units, 70% are detached single-family houses, 17% are in buildings with two or more units, and 7.9% are mobile homes.
Home heating in Wray runs mainly on utility gas (77%) and electricity (23%).
The median home in Wray was built in 1966. Roughly 80% of homes were built before 1980, which means system and roof updates can change eligibility and price.
FEMA’s National Risk Index flags hail (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Yuma County.
From 2000 on, Yuma County has been part of 4 major disaster declarations; the latest is Covid-19 Pandemic (March 2020).
It takes its name from John Wray. Wray’s population went from 2,187 at the 2000 Census to 2,342 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 2,363. Numbers have held fairly steady since 2000.
Older NOAA hail logs add more history: SPC data show 54 hail reports within 5 miles of Wray between 1955 and 2015; the biggest stones, 4.25 inches, fell on June 21, 2006. Reports of 2-inch or bigger hail number 5 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 19 tornadoes that began within 10 miles of Wray from 1950 through 2015, the strongest an F2 on October 17, 1971.
Shopping around the area? We also have home insurance pages for Eckley (14 mi) and Yuma (26 mi).
Where we write coverage around Wray
80758
Home-and-auto bundles in Wray, CO
The amounts shown show average bundling savings, not a quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Wray, Colorado | $258 | $436 | $636 |
See more Colorado insurance resources
Compare home insurance quotes for Wray, CO
Freedom Insurance Group shops 25+ carriers on behalf of Wray households. Next step: begin a home quote online or dial (800) 253-1482.
