Flood risk in Colorado
FEMA NFIP historical claims and active policies aggregated by county. Pick a county to see total paid, average claim amount, and active policy count.
Counties with claims
40
of 54 reporting
Total NFIP claims
1,802
Total claims paid
$36,631,803
Active policies
2,341
Highest flood risk counties
Claims per 1,000 housing units. Higher means a larger share of homes have a documented claim on file.
- 1.Boulder County6.17 / 1k
- 2.Otero County1.45 / 1k
- 3.Logan County1.25 / 1k
- 4.Larimer County1.24 / 1k
- 5.Routt County1.17 / 1k
- 6.El Paso County1.05 / 1k
- 7.La Plata County1.01 / 1k
- 8.Clear Creek County0.87 / 1k
- 9.Montezuma County0.76 / 1k
- 10.Crowley County0.76 / 1k
Lowest flood risk counties
Claims per 1,000 housing units, restricted to counties of at least 25,000 residents.
- 1.Montrose County0.00 / 1k
- 2.Delta County0.08 / 1k
- 3.Elbert County0.11 / 1k
- 4.Garfield County0.13 / 1k
- 5.Denver County0.16 / 1k
- 6.Adams County0.17 / 1k
- 7.Pueblo County0.18 / 1k
- 8.Mesa County0.19 / 1k
- 9.Douglas County0.20 / 1k
- 10.Broomfield County0.23 / 1k
Counties by historical claims
Sorted by total claims, highest first. Historical totals do not capture uninsured properties or future climate shifts.
- Boulder County823 claims · moderate
- El Paso County290 claims · moderate
- Larimer County184 claims · moderate
- Jefferson County86 claims · low
- Weld County80 claims · low
- Arapahoe County64 claims · low
- Denver County53 claims · low
- Adams County31 claims · low
- Douglas County27 claims · low
- La Plata County23 claims · moderate
- Routt County12 claims · moderate
- Pueblo County12 claims · low
- Mesa County12 claims · low
- Otero County11 claims · moderate
- Logan County10 claims · moderate
- Summit County8 claims · low
- Eagle County8 claims · low
- Montezuma County8 claims · low
- Broomfield County7 claims · low
- Fremont County7 claims · low
- Morgan County7 claims · low
- Archuleta County4 claims · low
- Clear Creek County4 claims · low
- Garfield County3 claims · low
- Yuma County3 claims · low
- Pitkin County3 claims · low
- Prowers County3 claims · low
- Rio Grande County2 claims · low
- San Miguel County2 claims · low
- Alamosa County2 claims · low
- Teller County2 claims · low
- Gunnison County2 claims · low
- Chaffee County2 claims · low
- Las Animas County1 claims · low
- Crowley County1 claims · low
- Conejos County1 claims · low
- Costilla County1 claims · low
- Delta County1 claims · low
- Rio Blanco County1 claims · low
- Elbert County1 claims · low
- Huerfano County0 claims · low
- Lake County0 claims · low
- Park County0 claims · low
- Lincoln County0 claims · low
- Hinsdale County0 claims · low
- Ouray County0 claims · low
- Mineral County0 claims · low
- Moffat County0 claims · low
- Gilpin County0 claims · low
- County0 claims · low
- Montrose County0 claims · low
- Grand County0 claims · low
- San Juan County0 claims · low
- Phillips County0 claims · low
How to read this
Historical claims show where NFIP-insured properties have actually filed. They under-count uninsured properties and don't forecast future risk from climate, upstream development, or new mitigation projects. For parcel-specific flood-zone designations, use FEMA's Map Service Center.
Data sources
Disclaimer. HomeRule is not a real estate agent, lender, appraiser, or financial advisor. This content is for educational and informational purposes only. Actual costs vary significantly by property, location, and individual circumstances. Consult qualified professionals for personalized advice.