Property Atlas

County hazard profile

Arapahoe, CO

Colorado · pop. 654,201 · FIPS 08005

Relatively Moderate
FEMA risk rating · RATING
Hail
dominant hazard
$172M
modeled expected annual loss/yr

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

near the national middle (53rd percentile)

national median $15M/yr Arapahoe $172M

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 93.8/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 18.45/100
national median ~50 among the lowest nationally
Community resilienceRelatively Moderate 49.4/100
national median ~50 near the national middle (49th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Arapahoe

The National Flood Insurance Program has paid 204 flood-insurance claims totaling $1.0M in Arapahoe since 1978. The costliest year was 2015 ($412K paid).

Flood-insurance dollars paid by year of loss

1978: $571 paid 1979: $332 paid 1980: $5,431 paid 1981: $0 paid 1982: $11,578 paid 1983: $72,707 paid 1984: $27,617 paid 1985: $0 paid 1987: $0 paid 1989: $0 paid 1990: $0 paid 1991: $0 paid 1993: $0 paid 1995: $0 paid 1997: $12,559 paid 1998: $1,080 paid 1999: $2,678 paid 2000: $8,442 paid 2001: $20,257 paid 2003: $0 paid 2006: $0 paid 2007: $2,589 paid 2008: $0 paid 2010: $2,432 paid 2011: $34 paid 2012: $0 paid 2013: $257,818 paid 2014: $1,548 paid 2015: $411,872 paid 2016: $3,942 paid 2017: $0 paid 2018: $1,492 paid 2019: $1,950 paid 2020: $0 paid 2021: $13,500 paid 2022: $19,504 paid 2023: $142,974 paid 2024: $13,948 paid 2025: $0 paid 2015 · $412K 1978 2025
$1.0M
total paid
$5,083
average claim
$250K
largest single claim
21%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Arapahoe, CO and where it ranks among U.S. counties. It is not a verdict on whether Arapahoe 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.