Why Colorado Beats Florida and Texas for New Yorkers Looking for a Fresh Start

By Buying, Selling November 5, 2025
From New York to Colorado

🎥 Watch: Why Colorado Beats Florida & Texas for New Yorkers in 2025 


Introduction

For many New York City and New York state residents, the dream of more space, lower costs, and a breath of fresh air is turning into reality. Colorado — with its mountains, sunshine, and vibrant communities — is increasingly on the migration map. But a cross-country move isn’t just about packing boxes. It’s about partnering with the right team to make the transition smooth and strategic. That’s where Jones Team Colorado | eXp Realty steps in.

The Migration Trend – What the Data Shows

Recent data confirms that New York remains a major origin state for outbound migration. Among the many states drawing attention as destinations for New York movers, Colorado continues to stand out. While the inbound numbers don’t match zero-tax states like Florida or Texas, the story is clear: professionals and families are choosing Colorado for a reason.

📌 Colorado faces its own risks — more than 300,000 homes in Colorado face moderate or higher wildfire risk. Phys.org+1

📌 Homeowners insurance in Colorado has seen an average annual premium of $4,072 (for $300K coverage) and has increased about 58% from 2018–2023 in certain regions. REDI Colorado State University

These numbers remind us that relocation strategy in Colorado demands precision. But they also speak to the value of choosing the right location, the right neighborhood, and the right expert team who understand both opportunity and risk.

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NY to CO graphic - blog

Why People Are Making the Move

  • Affordability & cost of living: Many New Yorkers feel the squeeze — higher home prices and taxes push families to reconsider city life. Colorado offers more breathing room.

  • Quality of life & access to nature: Mountains, open skies, outdoor lifestyle.

  • Remote work freedom: With more hybrid/remote setups, relocating farther still makes sense.

  • Less natural-disaster vulnerability (in most metro areas): While places like Florida face hurricanes annually, and Texas deals with tornadoes and flooding, many parts of Colorado offer relatively stable geography — especially if you know your zones.

CityPriceHome TypeLiving SpaceLifestyle
Manhattan, NY$1,000,0002 Bed / 2 Bath Condo≈ 910 sq ftDense, vertical, highly taxed
Denver Metro, CO$1,000,0005 Bed / 4 Bath Single-Family≈ 6,000 sq ft + ¼ acre lotSpace, garage, mountain views

Home Insurance & Risk: The Accurate Story

When comparing states, you’ll hear a lot about Florida and Texas offering “zero state income tax” — and that certainly attracts many. But when it comes to home insurance and natural-disaster risk, the full picture is more nuanced.

  • Colorado: Significant wildfire and hail risk exists — for example, Colorado ranked second in the U.S. for homes at high or extreme wildfire risk. The Motley Fool+1

  • Insurance premiums in wildfire-prone parts of Colorado have surged and should be factored in when choosing neighborhood and property type. InsuraSales

  • That said: Many metro-area communities west of Denver, often with defensible landscaping and modern construction, face much lower hazard exposure than mountain wildfire zones or coastal hurricane zones.

  • Unlike coastal states that face hurricanes + flooding every year, or regions of Texas that deal with tornadoes or extreme hail premiums, Colorado offers large swaths of market that combine high quality of life and manageable risk — if you select properly and work with a local expert who understands zoning, exposure, and mitigation.

    In short: Yes, insurance and hazard risk matter — and yes, they vary significantly by ZIP and terrain. The advantage for you? When you know which neighborhoods to target, you can leverage the lifestyle and financial benefits of Colorado while avoiding the highest-risk areas.

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How Jones Team Colorado | eXp Realty Helps

  • 87,000-agent eXp network: Through eXp Realty, we’re connected to a nationwide network of thousands of agents. This means if you’re moving from New York, we also have trusted professionals there — and if you’re moving to Colorado, we are your local counterpart.

  • Agent Referral Program: If you’re a New York-based agent with a client considering relocation, we pay a 30% referral fee for successful Colorado closings. Your client stays with you; we handle the move.

  • Relocation Program: We handle every detail — timing your sale, sourcing neighborhoods, managing inspection and closing logistics, helping with insurance and mitigation guidance, and putting you in a home that truly fits your new life.

  • Colorado Expertise: We live here — on 20 beautiful acres just outside the Denver metro. We know the foothills, the traffic patterns, the school choices, the lifestyle shifts. You don’t just get a voice on the phone; you get a local real-estate partner.

Next Steps for You

  1. Schedule a brief consultation – Let’s talk location, budget, timeline.

  2. Get paired with your origin-state agent + destination-state agent.

  3. Receive a personalized relocation plan – neighborhood shortlist, exposure summary (including insurance/hazard risk), and timeline.

  4. Make the move – we’ll keep you informed, supported, and ready for your new chapter.

Conclusion

Moving from New York to Colorado is more than a change of address — it’s a lifestyle upgrade. But the difference between a great move and a stressful one often comes down to who you work with. At Jones Team Colorado | eXp Realty, we have the network, the expertise, and the on-the-ground experience to make your transition strategic, safe, and successful.

If you’re ready to explore “life after New York,” let’s have a conversation — because your next chapter deserves more than a move.

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🏙️ IntroFor many New Yorkers, the dream of more space, lower costs, and a breath of fresh air is turning into reality.Colorado — with its…

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