Flood Claims Map

Colorado

Flood insurance claims in Rio Grande County, Colorado

FEMA records 11 National Flood Insurance Program claims in Rio Grande County, Colorado, since 1980, with $14,318 paid in total. The most claims in one year was 3, in 1980 and 2019. As of 3 August 2026, 1.5% of homes here had an NFIP policy, and 14.3% of homes in the high-risk flood zone did.

NFIP claims on record11
Total paid$14,318
Claims with a payment4
Homes with NFIP policy1.5%
High-risk zone homes insured14.3%
Residential policies in force95

Claims by year of loss

1980: 319801981: 11982: 11983: 01984: 019841985: 11986: 01987: 01988: 019881989: 01990: 01991: 01992: 019921993: 01994: 01995: 01996: 019961997: 01998: 01999: 02000: 020002001: 02002: 12003: 02004: 020042005: 02006: 02007: 12008: 020082009: 02010: 02011: 02012: 020122013: 02014: 02015: 02016: 020162017: 02018: 02019: 33

NFIP claims by year of loss, Rio Grande County, Colorado

1980: $019801981: $1,3051982: $1,3461983: $01984: $019841985: $1,3801986: $01987: $01988: $019881989: $01990: $01991: $01992: $019921993: $01994: $01995: $01996: $019961997: $01998: $01999: $02000: $020002001: $02002: $02003: $02004: $020042005: $02006: $02007: $02008: $020082009: $02010: $02011: $02012: $020122013: $02014: $02015: $02016: $020162017: $02018: $02019: $10,287$10,287

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

ZIP codes with the most claims

ZIP code (as reported)Claims
811446
811323
811542

4 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $14,318, contents $0, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone5588014.3%
All homes6,317951.5%

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.