Colorado natural hazard risk by county

Colorado has about $2.08 billion in modeled expected annual loss across 64 counties. The state accounts for 1.4% of the national modeled loss total. Its total ranks #26 among 56 state-level entries by modeled loss. FEMA published these 64 county estimates in its December 2025 National Risk Index. The modeled $2.08 billion annual average does not predict loss in any one year.

Modeled expected annual loss

$2.08 billion / year

Share of US loss

1.4%

State loss rank

#26 of 56

Largest modeled-loss hazard

Riverine Flood

Reading the Colorado county map

The map groups 64 county estimates into five within-state loss classes. Each boundary follows the county geography, while the fill represents modeled dollars per year. The class breaks are calculated from Colorado county values, so a matching shade on another state page need not represent the same amount. Grey marks unmatched geography or an unavailable estimate. Outlined counties link to the detailed profiles available in this release; counties without profiles still contribute to the state totals.

Together, the three largest estimates account for 32.0% of Colorado modeled annual loss. Their combined population represents 35.1% of the state source population. Comparing these two shares helps distinguish the concentration of modeled dollars from the concentration of residents. Neither share identifies the exposure of an individual address, and the map does not show the location of damage within a county.

County totals beside population

Jefferson County, CO combines about $231.4 million in modeled annual loss with 582,825 recorded residents. Dividing those figures gives about $397 per resident, compared with $361 statewide. On this population-adjusted measure, the county places #51 among the 64 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Denver County, CO combines about $222.0 million in modeled annual loss with 715,210 recorded residents. Dividing those figures gives about $310 per resident, compared with $361 statewide. On this population-adjusted measure, the county places #58 among the 64 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

El Paso County, CO combines about $212.6 million in modeled annual loss with 729,693 recorded residents. Dividing those figures gives about $291 per resident, compared with $361 statewide. On this population-adjusted measure, the county places #59 among the 64 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Where the leading hazards are concentrated

For riverine flooding, El Paso County, CO contributes 11.0% of the state hazard total. The next county, Denver County, CO, contributes about $93.6 million annually, compared with $105.2 million for the leader. Across Colorado, 64 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $761.4 million after those two leading estimates. The state places #22 of 56 state-level entries for this hazard. Its share of the state loss mix is 46.1%. These comparisons describe modeled losses rather than future events.

For hail, Denver County, CO contributes 21.2% of the state hazard total. The next county, Arapahoe County, CO, contributes about $64.0 million annually, compared with $72.4 million for the leader. Across Colorado, 64 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $205.0 million after those two leading estimates. The state places #2 of 56 state-level entries for this hazard. Its share of the state loss mix is 16.4%. These comparisons describe modeled losses rather than future events.

For wildfires, Jefferson County, CO contributes 23.1% of the state hazard total. The next county, El Paso County, CO, contributes about $41.6 million annually, compared with $48.7 million for the leader. Across Colorado, 64 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $120.8 million after those two leading estimates. The state places #3 of 56 state-level entries for this hazard. Its share of the state loss mix is 10.1%. These comparisons describe modeled losses rather than future events.

For tornadoes, Denver County, CO contributes 14.9% of the state hazard total. The next county, El Paso County, CO, contributes about $25.3 million annually, compared with $28.0 million for the leader. Across Colorado, 64 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $135.0 million after those two leading estimates. The state places #23 of 56 state-level entries for this hazard. Its share of the state loss mix is 9.0%. These comparisons describe modeled losses rather than future events.

For cold waves, Adams County, CO contributes 16.6% of the state hazard total. The next county, Weld County, CO, contributes about $18.9 million annually, compared with $21.4 million for the leader. Across Colorado, 63 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $88.5 million after those two leading estimates. The state places #27 of 56 state-level entries for this hazard. Its share of the state loss mix is 6.2%. These comparisons describe modeled losses rather than future events.

For lightning, Jefferson County, CO contributes 13.4% of the state hazard total. The next county, Douglas County, CO, contributes about $7.5 million annually, compared with $11.4 million for the leader. Across Colorado, 64 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $66.2 million after those two leading estimates. The state places #3 of 56 state-level entries for this hazard. Its share of the state loss mix is 4.1%. These comparisons describe modeled losses rather than future events.

Colorado hazard totals and county comparisons

Colorado hazard totals combine the county estimates. The largest county column identifies concentration within each hazard; the state rank compares the same hazard across state-level entries.

Colorado county loss totals

Colorado population, values and ratings

Population

5,768,835

Building value

$1,161.98 billion

Agricultural value

$9.65 billion

Modeled loss per resident

$361

Colorado county pages

Colorado has 1 detailed county page linked below.

• Denver County, CO: county detail

US county comparisons alongside Colorado