Safest Places in Colorado (2026): Insurance + Fire Risk

Moving to Colorado in 2025? Start with safety.

Whether you're raising a family or planning your dream retirement, picking the right city matters. Based on FBI crime data and local insights, we ranked the 10 safest cities in Colorado-from affordable family hubs like Windsor to luxurious retreats like Cherry Hills Village.

Here’s what you’ll get:

• Exact violent crime rates (per 1,000 residents)

• Median home prices & cost of living

• The safest cities for families, professionals, and retirees

• Commission-free homebuying secrets to save $10K+

Let’s dive into where peace of mind meets property value.

Live where peace meets prosperity. These cities combine low crime, strong schools, and thriving local economies - perfect for families, professionals, and investors alike.

Based on 2025 FBI crime data, Castle Rock tops the list with an ultra-low violent crime rate of 0.23 per 1,000 residents. This is over 95% lower than the national average, making it the safest large city in Colorado.

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Beyond stats, Castle Rock combines scenic living with a growing economy and one of the highest median household incomes in the state. It’s safety, style, and suburban strength-all in one.

Why Castle Rock ranks #1 for safety in Colorado:

• 0.23 violent crimes per 1,000 (vs. U.S. avg. of 4.74)

• Median home price: $638,700

• Household income: $143,031
• Nearby hospital + strong law enforcement
• Easy access to Denver + the Outlets at Castle Rock

Looking beyond Colorado? Explore how Castle Rock compares to the safest places to live in North Carolina for suburban families and low-crime environments.

Windsor ranks as one of the top low-crime, high-affordability cities in Colorado. Nestled along the northern Front Range, it records just 0.37 violent crimes per 1,000 residents - making it statistically safer than 90% of U.S. cities its size.

This town blends small-town charm with modern infrastructure, and its 17% lower cost of living vs. state average is a rare find in Colorado. That makes it ideal for families, first-time buyers, and remote workers looking for value.

Why Windsor wins on safety and affordability:

• Low crime paired with low cost of living
• Homes avg. $582,475-great entry point into safe areas
• Tight-knit community + active neighborhood watch
• Strong law enforcement presence in Weld and Larimer Counties
• Population growth = rising home equity

Windsor stands out, but if you’re after even more value, check out affordable cities to live in Colorado-where safety meets savings.

If your budget reaches luxury tiers, Cherry Hills Village offers elite-level safety and lifestyle. With a total crime rate 96% lower than Colorado’s average, this city is a favorite among executives, athletes, and legacy investors.

But it’s not just safe-it’s serene. Wide streets, gated estates, and private police patrols make it feel like a different world, all while being just 20 minutes from downtown Denver.

Why high-net-worth buyers choose Cherry Hills:

• Crime rate of 1.07 per 1,000-extraordinary for any city
• Median home price: $3.1M; incomes over $250K
• Equestrian trails, golf, and private schools enhance exclusivity
• Safe investment: real estate holds long-term value
• Private security + high community engagement

Luxury buyers also compare Cherry Hills with safest places to live in Florida for warm, tax-friendly relocation options.

Castle Pines combines mountain views, elite schools, and low crime into one of the safest, most family-friendly cities in the state. With just 1.22 violent crimes per 1,000 people, it's a low-risk, high-return environment for raising children.

Castle Pines homes are newer, energy-efficient, and part of well-zoned communities. For families seeking serenity near Denver, it offers a powerful blend of safety and sophistication.

Castle Pines safety & lifestyle highlights:

• Top-tier school zones = safer student communities
• Low crime thanks to Douglas County Sheriff coordination
• Median income: $189,918 = excellent public resources
• Trails, parks, and scenic views drive quality of life
• Median home: $745,000 with premium resale value

Considering building instead of buying? Compare with the full breakdown of cost to build a house in Georgia vs. Castle Pines’ market.

Just south of Denver, Lone Tree is becoming the go-to safe zone for professionals. Though it has a slightly higher crime rate (3.41 per 1,000), it remains far below the national average. What’s more important is that its crimes are rarely violent-and almost never random.

Lone Tree excels in smart urban planning, access to medical services, and upscale amenities. Its proximity to Denver Tech Center makes it especially attractive to upwardly mobile millennials and executives.

Why Lone Tree is safe, smart, and strategic:

• Strong safety profile for high-density living
• Access to light rail = safe, sustainable commuting
• Median home: $835,250, with strong ROI potential
• Lifestyle bonuses: Park Meadows Mall, trails, rec centers
• Access to top-tier hospitals within 10 minutes

If Lone Tree appeals to your ROI instincts, explore affordable places to live in Arizona-especially if you want sunbelt safety + savings.

If you’re looking for a balance of safety, top-tier schools, and proximity to major cities, Louisville delivers on every front. With just 1.42 violent crimes per 1,000 residents, it’s one of the most secure suburbs in the Boulder-Denver corridor-ideal for raising children without sacrificing opportunity.

Families here enjoy community events, hiking trails, and some of Colorado’s highest-ranked schools. It’s a town that feels intimate but functions at a premium level - exactly what upper-middle-class homebuyers are seeking in 2025.

Why Louisville is the go-to for family-focused safety:

• Low crime with high education access (STEM + arts schools)
• Homes avg. $912,500-investment-grade housing
• 15–20 mins to Boulder and Denver Tech Center
• Nature access + green city planning = health + safety
• Strong healthcare system nearby, including Avista Adventist

Families comparing education and crime rates also research the safest places to live in Illinois for suburban school access.

Just 12 miles from Boulder, Superior is living up to its name. It ranks as one of the safest small cities in Colorado with only 1.20 violent crimes per 1,000 people-beating out most similar-sized cities nationwide.

With a highly educated population and median household income of $157,909, the city invests deeply in public safety, infrastructure, and family programming. It's perfect for remote workers, professionals, and parents looking for modern security with small-town sensibility.

Why Superior is a rising star in safety + smart living:

• Crime rate: 75% below the national average
• Home prices hover around $760,000 with strong equity growth
• Excellent public and charter school options
• Wellness-driven community planning (parks, rec centers)
• Proximity to CU Boulder = smart, engaged population

Remote workers and commuters alike weigh options with affordable places to live in Washington-another safety-first state with tech hubs.

As one of Colorado’s fastest-growing communities, Firestone offers a rare combo of affordability and strong safety. With a violent crime rate of just 1.29 per 1,000 residents, it's significantly safer than most expanding towns its size-making it ideal for first-time buyers and young families.

The town’s economic engine is diversifying, moving beyond energy into tech, logistics, and small businesses. That, combined with master-planned neighborhoods and new schools, has made Firestone one of the most secure up-and-coming real estate zones in Weld County.

Why Firestone should be on your safe-city radar:

• Low crime despite rapid growth-tight law enforcement coverage
• Median home price: $569,900 = ideal for entry-level buyers
• Easy commute to Longmont, Boulder, and Denver suburbs
• Modern infrastructure + expanding job base
• Solid new builds = lower maintenance risk for new owners

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Wellington offers a quiet, family-first environment that prioritizes community values and personal safety. With a violent crime rate of 3.06 per 1,000 residents, it still beats Colorado’s statewide average and offers a high-trust, low-hassle lifestyle.

Positioned just north of Fort Collins, Wellington provides access to bigger city opportunities while maintaining a small-town pace. It’s perfect for families who want peace, space, and a future-proof property investment.

Why families choose Wellington for safety and simplicity:

• Safe streets, quiet nights, and neighborly vibes
• Median home value: $466,200-budget-friendly for Northern CO
• Local economy driven by construction, mining, and skilled trades
• 20-minute access to Fort Collins = big-city perks, small-town calm
• Trails, lakes, and parks for year-round recreation

Prefer small towns with low crime and lower costs? Consider affordable places to live in South Carolina.

Greenwood Village merges affluent living with robust personal safety, boasting a violent crime rate of 4.08 per 1,000—still well below the national average for urban zones. With private patrols, engaged HOAs, and responsive city planning, the village maintains its reputation as one of the most secure upscale areas in the state.

Professionals, executives, and investors flock here for its proximity to Denver Tech Center and luxurious amenities. Greenwood isn’t just a place to live-it’s a long-term security play on both lifestyle and real estate value.

Greenwood Village: where luxury meets layered safety:

• Median home price: $1.7M; incomes > $145K
• Private patrols + municipal security enhance response
• Top-rated public and private schools
• Minutes from Fortune 500 employers + elite services
• Ideal for legacy buyers, estate planning, and capital preservation

Greenwood buyers often cross-shop with property tax tips in California to plan their financial footprint.

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