Flood insurance claims in Adams County, Colorado

FEMA records 154 National Flood Insurance Program claims in Adams County, Colorado, since 1978, with $593,660 paid in total. The year with the most claims was 1984, with 17. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 21.3% of homes in the high-risk flood zone did.

NFIP claims on record154

Total paid$593,660

Claims with a payment72

Homes with NFIP policy0.2%

High-risk zone homes insured21.3%

Residential policies in force283

Claims by year of loss

NFIP claims by year of loss, Adams County, Colorado

Paid on claims by year of loss (building, contents and increased cost of compliance), Adams County, Colorado

Named flood events with the most claims

Event (FEMA name)	Claims
Late summer storms	15
Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
80030	27
80011	26
80221	25
80229	13
80260	9
80010	8
80031	8
80602	7
80216	7
80601	4

55 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $459,692, contents $133,968, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	478	102	21.3%
All homes	146,021	283	0.2%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.