STATE RISK ROLL-UP

Colorado

Across 64 counties, FEMA rates 2 elevated or higher for overall natural-hazard risk. Here's what drives it — and where it concentrates.

How the counties rate

Low54

Moderate8

Elevated2

High0

Dominant hazards

The hazards most often rated elevated or higher across Colorado's counties:

Lightning — 24 counties
Avalanche — 23 counties
Hail — 11 counties
Winter weather — 10 counties

Highest-risk counties

County	FEMA composite	Score
Denver County	Relatively high	95
Jefferson County	Relatively high	95
Arapahoe County	Relatively moderate	94
El Paso County	Relatively moderate	94
Adams County	Relatively moderate	91
Boulder County	Relatively moderate	91

State figures are a roll-up of FEMA National Risk Index county data (counts and rankings), not an official FEMA state rating. Risk is an estimate from a public model, not a guarantee — verify your specific insurance needs with a licensed professional. See the methodology.

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FEMA National Risk Index · as of 2026-07-10