Flood Claims Map

Colorado

Flood insurance claims in San Miguel County, Colorado

FEMA records 18 National Flood Insurance Program claims in San Miguel County, Colorado, since 1983, with $132,604 paid in total. The year with the most claims was 2007, with 6. As of 3 August 2026, 2.7% of homes here had an NFIP policy.

NFIP claims on record18
Total paid$132,604
Claims with a payment9
Homes with NFIP policy2.7%
High-risk zone homes insuredn/a
Residential policies in force147

Claims by year of loss

1983: 119831984: 01985: 01986: 019861987: 01988: 01989: 019891990: 01991: 01992: 019921993: 01994: 11995: 019951996: 21997: 11998: 019981999: 12000: 02001: 320012002: 02003: 02004: 020042005: 02006: 02007: 620072008: 12009: 02010: 020102011: 02012: 02013: 020132014: 02015: 02016: 220166

NFIP claims by year of loss, San Miguel County, Colorado

1983: $019831984: $01985: $01986: $019861987: $01988: $01989: $019891990: $01991: $01992: $019921993: $01994: $01995: $019951996: $4,7681997: $01998: $019981999: $18,2692000: $02001: $020012002: $02003: $02004: $020042005: $02006: $02007: $89,36820072008: $3,1982009: $02010: $020102011: $02012: $02013: $020132014: $02015: $02016: $17,0022016$89,368

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

ZIP codes with the most claims

ZIP code (as reported)Claims
8143515
814303

9 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $127,513, contents $5,092, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0114n/a
All homes5,5251472.7%

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

  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.