Every conversation about Colorado home insurance seems to start with wildfire.
The Marshall Fire. The Waldo Canyon Fire. The smoke-filled skies and the evacuation alerts and the news coverage showing neighborhoods reduced to ash. It makes sense. Wildfire is visible, dramatic, terrifying — exactly the kind of risk that stays in your mind when you open a renewal notice and wonder why your premium went up again.
But here is what the Colorado Division of Insurance found when it surveyed 20 homeowners insurers representing 80 percent of the state’s market.
In Denver, wildfire accounts for 1 percent of your premium…