Flood Claims Map

Colorado

Flood insurance claims in Denver County, Colorado

FEMA records 243 National Flood Insurance Program claims in Denver County, Colorado, since 1978, with $719,425 paid in total. The year with the most claims was 2015, with 47. As of 3 August 2026, 0.4% of homes here had an NFIP policy.

NFIP claims on record243
Total paid$719,425
Claims with a payment116
Homes with NFIP policy0.4%
High-risk zone homes insuredn/a
Residential policies in force765

Claims by year of loss

1978: 219781979: 111980: 71981: 41982: 1119821983: 101984: 81985: 111986: 119861987: 41988: 31989: 11990: 019901991: 31992: 11993: 01994: 119941995: 21996: 21997: 71998: 1419981999: 22000: 32001: 72002: 120022003: 32004: 22005: 12006: 020062007: 22008: 32009: 52010: 220102011: 82012: 12013: 72014: 420142015: 472016: 12017: 52018: 420182019: 62020: 02021: 42022: 420222023: 122024: 32025: 22026: 1202647

NFIP claims by year of loss, Denver County, Colorado

1978: $6,42519781979: $6,9931980: $4,9921981: $1,4371982: $71,72019821983: $33,5391984: $16,6361985: $69,5731986: $019861987: $15,6551988: $5,7291989: $01990: $019901991: $3891992: $01993: $01994: $019941995: $01996: $3,9681997: $6,3851998: $177,94119981999: $02000: $02001: $30,9892002: $020022003: $9142004: $7,7432005: $02006: $020062007: $5,6352008: $9,7562009: $8152010: $1,59820102011: $40,7902012: $2082013: $2,0032014: $7,63720142015: $113,7502016: $02017: $15,4782018: $11,00420182019: $14,3242020: $02021: $7,4242022: $2,04220222023: $21,9742024: $3,9602025: $02026: $02026$177,941

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

Named flood events with the most claims

Event (FEMA name)Claims
Late summer storms5
Flooding4

ZIP codes with the most claims

ZIP code (as reported)Claims
8021030
8022330
8022028
8022416
8021915
8020414
8020914
802079
802119
802318

47 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $473,570, contents $245,854, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0279n/a
All homes204,8387650.4%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.