Property Atlas

County hazard profile

Adams, CO

Colorado · pop. 519,291 · FIPS 08001

Relatively Moderate
FEMA risk rating · RATING
Hail
dominant hazard
$131M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

near the national middle (40th percentile)

national median $15M/yr Adams $131M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 91.19/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 12.18/100
national median ~50 among the lowest nationally
Community resilienceRelatively Moderate 46.09/100
national median ~50 near the national middle (46th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Adams

The National Flood Insurance Program has paid 154 flood-insurance claims totaling $598K in Adams since 1978. The costliest year was 2022 ($99K paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $675 paid 1980: $11,728 paid 1981: $25,378 paid 1982: $79,214 paid 1983: $59,622 paid 1984: $32,668 paid 1985: $74,233 paid 1986: $0 paid 1987: $0 paid 1989: $0 paid 1990: $2,056 paid 1991: $3,838 paid 1997: $0 paid 1998: $0 paid 1999: $5,419 paid 2000: $2,736 paid 2001: $0 paid 2002: $0 paid 2003: $0 paid 2004: $4,757 paid 2005: $0 paid 2006: $0 paid 2007: $14,909 paid 2009: $33,648 paid 2010: $0 paid 2011: $21,870 paid 2013: $92,434 paid 2015: $19,449 paid 2017: $0 paid 2018: $0 paid 2020: $0 paid 2022: $98,922 paid 2023: $14,060 paid 2024: $0 paid 2022 · $99K 1978 2024
$598K
total paid
$3,881
average claim
$88K
largest single claim
36%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Adams, CO and where it ranks among U.S. counties. It is not a verdict on whether Adams is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.