Flood insurance claims in Morgan County, Colorado

FEMA records 42 National Flood Insurance Program claims in Morgan County, Colorado, since 1980, with $432,575 paid in total. The year with the most claims was 2013, with 7. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 6.0% of homes in the high-risk flood zone did.

NFIP claims on record42

Total paid$432,575

Claims with a payment22

Homes with NFIP policy0.7%

High-risk zone homes insured6.0%

Residential policies in force78

Claims by year of loss

NFIP claims by year of loss, Morgan County, Colorado

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

Named flood events with the most claims

Event (FEMA name)	Claims
Late summer storms	7
Flooding	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
80723	28
80701	7
80649	4
80750	2
80653	1

25 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $249,852, contents $182,723, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,248	75	6.0%
All homes	10,825	78	0.7%

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.