Flood Claims Map

Colorado

Flood insurance claims in Larimer County, Colorado

FEMA records 547 National Flood Insurance Program claims in Larimer County, Colorado, since 1978, with $15.1 million paid in total. The year with the most claims was 2013, with 293. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 17.9% of homes in the high-risk flood zone did.

NFIP claims on record547
Total paid$15.1 million
Claims with a payment386
Homes with NFIP policy0.6%
High-risk zone homes insured17.9%
Residential policies in force794

Claims by year of loss

1978: 519781979: 51980: 131981: 11982: 3819821983: 101984: 01985: 11986: 119861987: 31988: 41989: 11990: 019901991: 01992: 11993: 01994: 219941995: 91996: 21997: 611998: 119981999: 202000: 02001: 02002: 020022003: 22004: 22005: 02006: 220062007: 82008: 12009: 72010: 520102011: 32012: 52013: 2932014: 1020142015: 82016: 12017: 02018: 420182019: 22020: 02021: 42022: 420222023: 62024: 02025: 12026: 12026293

NFIP claims by year of loss, Larimer County, Colorado

1978: $4,88419781979: $3,0251980: $75,1681981: $5711982: $750,90719821983: $10,2501984: $01985: $6711986: $019861987: $01988: $01989: $01990: $019901991: $01992: $1,9681993: $01994: $019941995: $31,3591996: $01997: $434,5141998: $019981999: $39,8622000: $02001: $02002: $020022003: $1,0182004: $9652005: $02006: $4,92420062007: $648,8852008: $1,9652009: $231,7952010: $11,96320102011: $8502012: $65,8752013: $12.3 million2014: $73,59420142015: $52,8342016: $02017: $02018: $2,02420182019: $02020: $02021: $79,5522022: $273,63020222023: $14,8332024: $02025: $02026: $02026$12.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Late summer storms283
Flooding58
Colorado Burn Scar Flash Flooding3

ZIP codes with the most claims

ZIP code (as reported)Claims
80517145
8053584
8053771
8052439
8053832
8051531
8052628
8052526
8051224
8053221

296 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $13.4 million, contents $1.6 million, increased cost of compliance $102,450.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,14820517.9%
All homes132,3547940.6%

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.