Flood insurance claims in Summit County, Colorado

FEMA records 30 National Flood Insurance Program claims in Summit County, Colorado, since 1983, with $20,324 paid in total. The year with the most claims was 1995, with 7. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 43.0% of homes in the high-risk flood zone did.

NFIP claims on record30

Total paid$20,324

Claims with a payment12

Homes with NFIP policy0.9%

High-risk zone homes insured43.0%

Residential policies in force145

Claims by year of loss

NFIP claims by year of loss, Summit County, Colorado

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
80443	8
80498	8
80424	7
80435	7

8 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $19,392, contents $932, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	151	65	43.0%
All homes	15,797	145	0.9%

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.