Flood insurance claims in Montezuma County, Colorado

FEMA records 20 National Flood Insurance Program claims in Montezuma County, Colorado, since 1979, with $19,603 paid in total. The year with the most claims was 2019, with 10. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 10.8% of homes in the high-risk flood zone did.

NFIP claims on record20

Total paid$19,603

Claims with a payment4

Homes with NFIP policy0.4%

High-risk zone homes insured10.8%

Residential policies in force63

Claims by year of loss

NFIP claims by year of loss, Montezuma County, Colorado

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
81323	16
81321	3
81328	1

14 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $19,603, contents $0, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	425	46	10.8%
All homes	14,435	63	0.4%

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.