How long will insurance pay for temporary housing in Colorado?

At least 24 months after a declared-emergency loss, extendable to 36 for delays outside your control. For a loss with no declaration, the policy form sets the limit, usually 12 or 24 months.

Are there RVs available near me in Colorado?

55 units on one national fleet were located within 200 miles of Denver, CO on 2026-09-18, and nine in ten units deliver. Count by distance from your address, not by the state line, and ask operators for a written delivery quote.

Can I live in an RV on my lot in Colorado while I rebuild?

No Colorado county rule has been read for this page yet. Ask your county permit office before the adjuster call; the answer goes in the placement request either way.

Does flood insurance pay for housing in Colorado?

No. The NFIP flood policy excludes temporary housing and living expenses everywhere. After a flood, file the flood claim on day one anyway, because its letter is what FEMA needs to consider rental assistance.

A residential driveway with a travel trailer in Colorado terrain, no landmarks

Colorado temporary housing and ALE rules

Colorado temporary housing: the statutory ALE position, the RV units within 200 miles of Denver, CO, published on-lot rules and rebuild data where they exist, with sources.

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Key facts

Colorado law requires at least 24 months of Additional Living Expense after a loss tied to a declared emergency, extendable to 36.
55 RV units on one national fleet sit within 200 miles of Denver, CO, and 55 inside the state, measured 2026-09-18.
Loss of use is paid within twenty days after the insurer receives documentation, which may be a signed lease; the insurer may pay per the lease or provide advance rent payments for the household, family members, livestock and pets.
Marshall Fire: Building permits issued 931, Share of destroyed homes permitted 84%, 47 months after the event.
Most recent named event sourced: Marshall Fire.

Which RV units can reach you?

Measured from Denver, CO. Nine in ten units on the fleet deliver, with a median stated radius of 200 miles, so count by distance from your address. The fleet's power, length and pet profile by state is on RV temporary housing.

The most recent named event

Marshall Fire, declared 2021-12-30. Source: Boulder County, read 2026-09-06.

Metro pages

Denver temporary housing

Questions people ask

How long will insurance pay for temporary housing in Colorado?: At least 24 months after a declared-emergency loss, extendable to 36 for delays outside your control. For a loss with no declaration, the policy form sets the limit, usually 12 or 24 months.
Are there RVs available near me in Colorado?: 55 units on one national fleet were located within 200 miles of Denver, CO on 2026-09-18, and nine in ten units deliver. Count by distance from your address, not by the state line, and ask operators for a written delivery quote.
Can I live in an RV on my lot in Colorado while I rebuild?: No Colorado county rule has been read for this page yet. Ask your county permit office before the adjuster call; the answer goes in the placement request either way.
Does flood insurance pay for housing in Colorado?: No. The NFIP flood policy excludes temporary housing and living expenses everywhere. After a flood, file the flood claim on day one anyway, because its letter is what FEMA needs to consider rental assistance.

What to do next

Read the Colorado row on the ALE time limits by state table and your policy's Loss of Use section.
Send an itemized ALE advance request in writing in the first week.
Search for units by distance from your address; Denver, CO is the anchor we measured from.
Ask your county permit office whether an RV may sit on the lot during the rebuild.
Start the monthly ALE packet.

How we know

Each finding below names its source, what we did to it, what it means for you and what it costs to ignore. Figures marked measured decay and are re-measured before they are 60 days old.

How we know · measured 2026-09-18

Source: 55 units on one national RV rental fleet are located within 200 miles of Denver, CO, and 55 are located inside the state. Fleet-wide, 89.4 percent offer delivery with a median stated radius of 200 miles. 62 units' stated radius covers Denver, CO once radii above 500 miles are set aside; 197 listings state a radius above 500 miles.Outdoorsy public search feed, one national RV rental fleet (699 active units, measured 2026-09-18)
Operation: Measured the straight-line distance from each unit's listed location to Denver, CO and compared it with the unit's own stated delivery radius, capped at 500 miles.
Consequence: Search by distance from Denver, CO, not by the state line, and ask operators beyond 200 miles for their per-mile delivery quote before ruling them out.
Cost: A search that stops at the state border reports no inventory where the inventory delivers from the next state.

How we know

Source: Colorado law requires at least 24 months of additional living expenses after a loss tied to a declared emergency, extendable to 36 months. Loss of use is paid within twenty days after the insurer receives documentation, which may be a signed lease; the insurer may pay per the lease or provide advance rent payments for the household, family members, livestock and pets.C.R.S. 10-4-110.8(13), added by HB22-1111, signed June 2, 2022
Operation: Read the statute and placed its minimum, extension and payment rules beside the other states' in one table.
Consequence: Cite the section number in the first written request to the insurer. The statute sets what the insurer must do when asked; the asking is yours.
Cost: Handled on the form instead of the statute, the household gets the shorter period.

Reviewed by TempHome Finder editorial. Published 2026-09-06. Updated 2026-09-18.

Sources

C.R.S. 10-4-110.8(13), added by HB22-1111, signed June 2, 2022 (accessed 2026-09-06)
Colorado Division of Insurance (accessed 2026-09-06)
Outdoorsy public search feed, one national RV rental fleet (699 active units, measured 2026-09-18) (accessed 2026-09-18)
Boulder County (accessed 2026-09-06)

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