Flood insurance claims in La Plata County, Colorado

FEMA records 67 National Flood Insurance Program claims in La Plata County, Colorado, since 1979, with $1.3 million paid in total. The year with the most claims was 2025, with 20. As of 3 August 2026, 1.3% of homes here had an NFIP policy, and 16.5% of homes in the high-risk flood zone did.

NFIP claims on record67

Total paid$1.3 million

Claims with a payment47

Homes with NFIP policy1.3%

High-risk zone homes insured16.5%

Residential policies in force336

Claims by year of loss

NFIP claims by year of loss, La Plata County, Colorado

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

Named flood events with the most claims

Event (FEMA name)	Claims
Late summer storms	4

ZIP codes with the most claims

ZIP code (as reported)	Claims
81301	41
81122	25
81328	1

28 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.1 million, contents $171,564, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,028	170	16.5%
All homes	25,478	336	1.3%

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.