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80815 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 80815? There are over 418 occupied homes in the 80815 area. With a population size of 890, it's not uncommon for residence of Flagler, CO to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Colorado is around $1,244 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 80815 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Flagler, CO Home Insurance Rate Quotes

80815 Home Insurance Average Premiums

Local 80815 homeowners insurance quotes comparison

$994 /yr.

Shows Zip Code: 80815 lowest rates with discounts applied on average.

For the 80815, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$994 /yr.
Average Coverage:$1244 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1544 /yr.

What is the average home insurance cost for a home in 80815?

  • • The average homeowners insurance premium paid annually for a home in 80815 is around $1244 per year.

What does it cost on average per month for home insurance in 80815?

  • • Homeowners in 80815 pay a monthly average cost per month around $104.00.

What kind of discount could I get if I combine my home and auto insurance together in 80815?

  • • Autoowners in 80815 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Flagler, check out other zip codes nearby 80815.
To review average rates in another zip code, click on a zip code below:
80815  | 

Home Replacement Cost Coverage in 80815

Average Building Cost Per Square Foot in 80815: $260

Location: Flagler, Colorado (Kit Carson County)

Average Square Footage in 80815: 691 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 80815 before you start any project. Flagler homeowners pay on average around $260 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 80815 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 80815 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 691 sq. ft. and the average cost to rebuild the home in this area is around $260 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Flagler area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$260691$179,700
Additional Upgrades & Added Features$325691$224,625
Major Home Updates or Advancements$390691$269,550

It's important to understand that when you estimate your replacement cost of your home in the 80815 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 80815

Best Home & Auto Insurance Agencies in 80815

Housing Demographics for 80815

Population Review for 80815 Zip Code

For the city of Flagler, the population within 80815 has increased to over 506 residents in population size. The current population total is 890. We have broken down the population based on race below. In 80815, there are over 456 in male population and 434 females.

PopulationValues
Total Population890
White Population797
Black Population6
Hispanic Population63
Asian Population1
Hawaiian Population1
Indian Population3
Other Population27
Male Population456
Female Population434
Population Estimate506

Household Data for 80815

The average number of homes in 80815 is around 418, there are an average of 2.10 per household. The average house value according to local real estate values is around $179,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode418
Persons Per Household2.10
Average House Value$179,700
Income Per Household$41806
Median Age51.1
Median Age Male46.5
Median Age Female53.3
80815 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias Abbreviation
Area Code719/970
CityFlagler
City Alias NameFLAGLER
CountyKit Carson
County FIPS063
State FIPS08
Time Zone7
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses41
Number Of Employees352
Business First Quarter Payroll4249
Business Annual Payroll17984
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District04
Congressional LandArea38102.67
Delivery Residential241
Delivery Business12
Delivery Total2074
Preferred Last Line KeyZ11390
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyZ11390
Land Area528.620000
Water Area1.109000
City Alias Code
City Mixed CaseFlagler
City Alias Mixed CaseFlagler
Box Count208
SFDU241
MFDU0
State ANSI08
County ANSI063
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number073078
Unique ZIP Name
SSA State County Code06310
Medicare CBSA Code99906
Medicare CBSA NameRural Areas in CO
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseKit Carson

Colorado Homeowners Insurance News & Information

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    According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs.  Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders.  Florida Peninsula has filed […]

  • How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025

    According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common.  In a recent AOL.com article, Paul Burns commented on how he had […]

  • 5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025

    Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]