Homeowners insurance rates in Colorado are on the rise as the state faces increasing risk of catastrophes, according to industry experts. Disasters led to 41% of homeowners claims payouts in the state from 2007 to 2011, up from 26% between 1997 and 2006, according to the Insurance Research Council. Insurers' collected premiums can be inadequate for claims payouts when hard-to-predict catastrophes are on the rise, PCI's Kelly Campbell said.