Four resort towns had some of the highest premiums in the country.
The Colorado Insurance Commissioner's plan to group resorts with other counties will have to go to White House.
New plan would eliminate a mountainous zone dubbed the "Resort" region and four mountain counties would join other rural areas in western Colorado.
Proposal could lower rates for resorts, but raise them for others.
The state's insurance commissioner has set up a task force to review costs and may also propose state-funded subsidies.