Flood insurance claims in Mesa County, Colorado

FEMA records 61 National Flood Insurance Program claims in Mesa County, Colorado, since 1978, with $292,673 paid in total. The year with the most claims was 1983, with 23. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 22.5% of homes in the high-risk flood zone did.

NFIP claims on record61

Total paid$292,673

Claims with a payment26

Homes with NFIP policy0.3%

High-risk zone homes insured22.5%

Residential policies in force201

Claims by year of loss

NFIP claims by year of loss, Mesa County, Colorado

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	12

ZIP codes with the most claims

ZIP code (as reported)	Claims
81507	18
81505	9
81501	7
81521	7
81624	5
81504	3
81506	3
81503	2
81526	1
81520	1

30 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $279,485, contents $13,188, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	628	141	22.5%
All homes	62,723	201	0.3%

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.