Castle Rock Insurance proudly serves the town of Wray, a vibrant agricultural community nestled in the northeastern corner of Colorado in Yuma County. With a population of approximately 2,300 residents, Wray is known for its rich farming and ranching heritage, small-town charm, and welcoming atmosphere. As the county seat, Wray serves as a hub for the surrounding rural region, offering a blend of historic appeal and modern conveniences. The town is celebrated for its scenic prairie landscapes, strong community values, and attractions like the Wray Museum and Beecher Island Battleground.
Wray’s location on the expansive Eastern Plains presents unique challenges for residents and businesses. The area’s semi-arid climate and agricultural focus expose properties to risks such as hailstorms, wind damage, drought, and wildfire. For Wray residents, home and property insurance is essential to safeguard against these natural hazards. Additionally, fire zone insurance is crucial for protecting homes and businesses from elevated wildfire risks during dry seasons. Local businesses, many of which support agriculture or provide services to the community, benefit from specialized commercial insurance plans that cover liability, equipment, and property damage to ensure stability and success.
How Much Does Insurance Cost in Wray?
Insurance costs in Wray are influenced by its rural location, agricultural focus, and exposure to risks like severe weather and wildfires. Below are typical price ranges for common insurance types in Wray:
- Auto Insurance: $450 – $750 per year
Auto insurance premiums in Wray vary based on driving history, vehicle type, and rural road conditions. Risks such as wildlife collisions and severe weather also impact rates. - Home Insurance: $600 – $1,000 per year
Homeowners in Wray require coverage for risks like hail, windstorms, and wildfire damage. Premiums depend on the home’s value, location, and fire mitigation efforts. - Renters Insurance: $120 – $180 per year
Renters in Wray can protect their personal belongings and liability with affordable insurance tailored to rural living. - Agricultural and Farming Insurance: $1,200 – $5,500+ per year
Farmers and ranchers in Wray require specialized coverage for crops, livestock, equipment, and liability. Rates vary based on the scale of operations and risks like drought or extreme weather. - Fire Zone Insurance: $350 – $850+ per year
Wray’s location in a wildfire-prone region makes fire zone insurance essential for protecting homes, farmlands, and other properties during Colorado’s dry seasons. - Flood Insurance: $400 – $1,000 per year
While flooding is rare, properties near low-lying areas or runoff zones can benefit from flood insurance to protect against sudden water damage.
Get an Insurance Quote to Stay Protected in Wray
At Castle Rock Insurance, we understand the unique needs of Wray residents and businesses. With access to over 20 top insurance carriers, we provide competitive rates and comprehensive coverage options to protect what matters most. Whether you need auto, home, farm, or wildfire insurance, our team is here to help. Learn more about home and auto insurance bundles to save money while enhancing your coverage. Contact us today to explore your options and secure peace of mind.
