Flood insurance claims in Lincoln County, Colorado

FEMA records 7 National Flood Insurance Program claims in Lincoln County, Colorado, since 1990, with $4,362 paid in total. The most claims in one year was 2, in 1990 and 1999. As of 3 August 2026, 0.2% of homes here had an NFIP policy.

NFIP claims on record7

Total paid$4,362

Claims with a payment1

Homes with NFIP policy0.2%

High-risk zone homes insuredn/a

Residential policies in force5

Claims by year of loss

NFIP claims by year of loss, Lincoln County, Colorado

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
80828	6
80821	1

4 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4,362, contents $0, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	3	n/a
All homes	2,531	5	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.