Flood risk in Otero County, Colorado
MODERATE RISKFEMA NFIP historical data aggregated to the county level. Use this as a starting point; parcel-specific zones live on FEMA's flood map service.
Context
Total paid out on claims in Otero County to date: $42,685. A single catastrophic event can skew the average. Compare with neighboring counties to see if the signal is localized or regional.
Frequently asked questions
What is the flood risk in Otero County?
Historical signal from FEMA NFIP: 11 total claims, moderate bucket. Bucket thresholds: low (<10), moderate (10 to 49), high (50 to 199), very-high (200+).
Is historical data a forecast?
No. Historical claims are a backward-looking signal. Climate change, upstream development, and local flood mitigation investment can all shift future risk.
Do I need flood insurance?
Mortgage lenders typically require flood insurance for properties in a FEMA designated Special Flood Hazard Area. Even outside those areas, NFIP or private flood insurance is often advisable if any historical claims exist in the county.