Fort Collins, CO Car InsuranceHail, flood and your car in Fort Collins
Hail is a car problem here too
Larimer County recorded 115 hail events of one inch or larger in the last 10 years, the largest measuring 2.50 inches. Hail that size dents panels and breaks glass on a parked car.
Hail damage to a car is paid by comprehensive coverage, not collision and not liability. A liability-only policy pays nothing toward it. The comprehensive deductible is the number to choose with hail in mind.
Source: NOAA Storm Events Database, Larimer County, through 2025.
Flooded cars are covered — homes are not
FEMA's maps for the Fort Collins area include these high-risk flood zones: Zone AE, Zone AO, Zone AH.
For a house, flood needs a separate policy. For a car it is different: flood damage is covered by comprehensive, the same coverage that pays for hail.
Source: FEMA National Flood Hazard Layer.