As a result of wildfires and hailstorms, Colorado has found itself in the top 10 states in the nation for filing catastrophic insurance claims. A catastrophe is defined as a natural disaster that produces more than $25 million in insured damage. “We are seeing homeowners insurance premiums rising across the country and here in Colorado,” said Carole Walker, executive director of the Rocky Mountain Insurance Information Association (RMIIA). “One wildfire doesn’t cause rates to spike; companies look at patterns over a period of time,” Walker added.