Most Colorado homeowners do not have enough insurance coverage to rebuild their house after a total loss. That’s according to our new research examining whether homes destroyed in Colorado’s Marshall Fire — which burned more than 1,000 houses in suburban Boulder County — have been rebuilt.

We are economists who study the financial resources available to households to cope with disasters, including insurance, crowdfunding and federal disaster aid.

Over the past five years, insurance premiums in Colorado rose nearly 60% , driven by mounting losses from wildfire, hail and other disasters. These patterns are not unique to Colorado. They reflect a broader national reassessment of risks .

Our new research sheds light on this issue by linking confidential, contract-level data to real r

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