Short answer: El Paso County, Colorado's FEMA National Risk Index report ranks hazards for Colorado Springs tracts. The Colorado FAIR Plan is now available for homeowners who cannot find standard coverage.
This guide is general information for homeowners and drivers in the Colorado Springs area (El Paso County). It isn't legal advice or a coverage determination. Your policy wording, underwriting, city and county ordinances, and state insurance and motor-vehicle rules control. Check your address on FEMA's National Risk Index (county report for El Paso County) and the Flood Map Service Center.
Local hazards: FEMA National Risk Index for El Paso County, Colorado
Use FEMA's National Risk Index and the El Paso County, Colorado report.
Federal disaster declarations in El Paso County
FEMA's disaster declarations data shows 11 major disaster declarations that included El Paso County since 1965, led by flood events (6), fire events (3) and severe storm events (1). The most recent: Severe Storms, Flooding, and Tornadoes, 2023, Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides, 2015, Severe Storms, Flooding, Landslides, and Mudslides, 2013 and Black Forest Wildfire, 2013. FEMA also lists 5 emergency declarations for the county in the same data.
Colorado Springs flood discounts
Colorado Springs takes part in FEMA's Community Rating System. The Stormwater Enterprise says that gives a 25% flood insurance discount to people in high-risk flood areas and 10% to everyone else. A higher deductible, grandfathering an older rate after maps change, and mitigation work on the home can all lower the cost further.
The Templeton Gap Levee
The Templeton Gap Levee Floodway is a 2-mile channel that carries runoff from east of Union Boulevard in the Pikeview neighborhood to Monument Creek. FEMA is producing new flood maps for El Paso County, and the levee, built before FEMA's 2013 standards, has to be upgraded. If it isn't certified, the area behind it would be mapped as Zone D, meaning the flood risk is unknown. If it is certified, the area becomes shaded Zone X. Construction is expected to finish in winter 2027. If you own a home behind the levee, check your zone once the new maps take effect.
Residual market: Colorado FAIR Plan
The Colorado Division of Insurance FAIR Plan page and the Colorado FAIR Plan eligibility page describe who qualifies and how to apply.
Auto: Colorado 25/50/15
The Colorado DOI auto page cites 25/50/15 minimum liability.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Colorado.
Frequently asked questions
Why are hail deductibles important in Colorado Springs?
Large hail is frequent; percentage deductibles and cosmetic-damage exclusions change what you pay after a storm.
What auto liability does Colorado require?
25/50/15.
Does a Colorado Springs homeowners policy cover flood?
No; flood needs a separate policy.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.