Flood Claims Map

Colorado

Flood insurance claims in Gunnison County, Colorado

FEMA records 40 National Flood Insurance Program claims in Gunnison County, Colorado, since 1979, with $86,884 paid in total. The year with the most claims was 1984, with 11. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 11.9% of homes in the high-risk flood zone did.

NFIP claims on record40
Total paid$86,884
Claims with a payment26
Homes with NFIP policy1.0%
High-risk zone homes insured11.9%
Residential policies in force126

Claims by year of loss

1979: 119791980: 31981: 01982: 01983: 019831984: 111985: 31986: 01987: 019871988: 01989: 01990: 01991: 019911992: 01993: 21994: 01995: 419951996: 01997: 11998: 01999: 019992000: 12001: 02002: 02003: 020032004: 02005: 12006: 02007: 020072008: 82009: 12010: 22011: 120112012: 02013: 02014: 02015: 020152016: 02017: 02018: 02019: 1201911

NFIP claims by year of loss, Gunnison County, Colorado

1979: $19719791980: $13,6041981: $01982: $01983: $019831984: $15,8641985: $9311986: $01987: $019871988: $01989: $01990: $01991: $019911992: $01993: $5981994: $01995: $30,00519951996: $01997: $6081998: $01999: $019992000: $02001: $02002: $02003: $020032004: $02005: $02006: $02007: $020072008: $17,8742009: $02010: $7,2032011: $020112012: $02013: $02014: $02015: $020152016: $02017: $02018: $02019: $02019$30,005

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

ZIP codes with the most claims

ZIP code (as reported)Claims
8123022
812249
816231
812101
812391
814341

12 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $85,244, contents $1,639, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone6998311.9%
All homes12,4321261.0%

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.