Property Atlas

County hazard profile

Larimer, CO

Colorado · pop. 358,792 · FIPS 08069

Relatively Moderate
FEMA risk rating · RATING
Lightning
dominant hazard
$127M
modeled expected annual loss/yr

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

lower than most counties (39th percentile)

national median $15M/yr Larimer $127M

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 90.14/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 71.31/100
national median ~50 near the national middle (71st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Larimer

The National Flood Insurance Program has paid 547 flood-insurance claims totaling $15.1M in Larimer since 1978. The costliest year was 2013 ($12.3M paid).

Flood-insurance dollars paid by year of loss

1978: $4,884 paid 1979: $3,025 paid 1980: $75,168 paid 1981: $571 paid 1982: $750,907 paid 1983: $10,250 paid 1985: $671 paid 1986: $0 paid 1987: $0 paid 1988: $0 paid 1989: $0 paid 1992: $1,968 paid 1994: $0 paid 1995: $31,359 paid 1996: $0 paid 1997: $434,514 paid 1998: $0 paid 1999: $39,862 paid 2003: $1,018 paid 2004: $965 paid 2006: $4,924 paid 2007: $648,885 paid 2008: $1,965 paid 2009: $231,795 paid 2010: $11,963 paid 2011: $850 paid 2012: $65,875 paid 2013: $12,327,421 paid 2014: $73,594 paid 2015: $52,834 paid 2016: $0 paid 2018: $2,024 paid 2019: $0 paid 2021: $79,552 paid 2022: $273,630 paid 2023: $14,833 paid 2025: $0 paid 2026: $0 paid 2013 · $12.3M 1978 2026
$15.1M
total paid
$27,688
average claim
$500K
largest single claim
54%
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 Larimer, CO and where it ranks among U.S. counties. It is not a verdict on whether Larimer 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.