FEMA Records
8
Low volume
Colorado · FEMA + NOAA + National Risk Index
Gilpin County, CO
8 FEMA disaster declarations (1969-2020), with a FEMA National Risk Index rating of Very Low. Most common hazard: Flood.
- 8
- FEMA declarations
- 4
- Major disasters
- 6
- NRI risk · Very Low
- Flood
- Top hazard
The verdict
Start with the local benchmark for Gilpin County: 8 FEMA declaration records are 22% below the Colorado county mean, even though the count is higher than 6% of counties in the national registry. On FEMA's distinct National Risk Index model, which combines expected loss with vulnerability and resilience, the county ranks safer than 6%.
- Safer than 6%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 8
- FEMA declarations vs 21 national county avg
- 4
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
How does Gilpin County compare?
Gilpin County vs. all counties in this dataset
FEMA disaster declarations, all-time
8 6th percentile higher than 6% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-03
Gilpin County's FEMA Risk Index score
FEMA National Risk Index composite score vs. the Colorado county average
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Gilpin County is led by Riverine Flooding (about $1.9M Expected Annual Loss, Historical Loss Ratio Relatively High), while Wildfire carries the highest National Risk Index rating (Relatively Low). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Gilpin County's hazard record show?
Declaration frequency
The state comparison is the clearest context for Gilpin County's moderate federal record. Its 8 declarations sit 22% below the Colorado county mean, with 4 Major Disaster entries among them. 2 records concern Flood, the file's most frequent incident type. Spread across 51 years, the registry rate is 0.2 per year. FEMA reports authorized programs separately from the DR, EM, and FM codes.
FEMA National Risk Index
FEMA's National Risk Index places this county in the low end of the national distribution, composite score 6.4/100 (Very Low). Expected Annual Loss is rated Very Low (roughly $4.5M in annualized losses). Two modifiers shape how that exposure becomes real-world harm here: social vulnerability (Very Low) and community resilience (Relatively High). Even the county's top-rated hazard, Wildfire, only reaches Relatively Low on FEMA's scale, none of the 18 modeled hazards stand out here. FEMA's modeled frequency puts that hazard at roughly once every 190 years here.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 4 claims and $1.5K paid in total. PlainHazard calls 1-49 claims a light registry record, a label for this dataset rather than a finding that flood exposure is low. A short claims history can also reflect insurance take-up, the period covered, or losses that were never insured.
Start with the state benchmark: a Colorado county averages 10.2 federal declaration records, while Gilpin County has 8. The gap is 22% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
42 /100
Historical Activity Index
Moderate historical activity
Gilpin County, CO · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) Low
6/30
8 OpenFEMA declarations, full ingest window (0.4x national county average)
County Disaster Density Moderate
10/25
8 declarations (0.8x state county average of 10)
Major Disaster Share High
13/25
4 of 8 declarations are major disasters (50%)
Hazard Diversity High
13/20
5 different disaster types declared in Gilpin County
Historical Declaration Activity
Activity Band
Moderate
vs. Colorado Avg
-22%
State avg: 10.2
vs. National Avg
-61%
National avg: 20.7
Avg Per Year
0.2
Over 51 years
FEMA NRI 8-hazard radar - Gilpin County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
50%
Major-heavy
NRI risk score
6
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Gilpin County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Wildfire | Relatively Low | roughly once every 190 years |
| Landslide | Relatively Low | roughly once every 8 years |
| Avalanche | Relatively Low | roughly once every 3 years |
| Hail | Relatively Low | an average of 5.6 times per year |
| Lightning | Relatively Low | an average of 63 times per year |
| Winter Weather | Relatively Low | an average of 33 times per year |
| Volcanic Activity | Very Low | roughly once every 10,000 years |
| Earthquake | Very Low | roughly once every 1,745 years |
| Tornado | Very Low | roughly once every 12 years |
| Riverine Flooding | Very Low | roughly once every 14 years |
| Strong Wind | Very Low | roughly once every 1 years |
| Ice Storm | Very Low | roughly once every 67 years |
| Cold Wave | Very Low | roughly once every 3 years |
| Drought | No Rating | 17 modeled event-days per year |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Biological 2
Flood 2
Snowstorm 2
Coastal Storm 1
Fire 1
What Flood declarations mean here
Flood is the most frequent declaration type on Gilpin County's record, 25% of its declarations. Federal flood declarations cover two mechanisms that behave very differently: riverine flooding, which builds over days as a watershed drains and is usually forecast well in advance, and flash flooding, which can arrive in under an hour from rainfall that fell somewhere upstream.
Flood is also the one hazard class where a second federal dataset exists for the same events. The National Flood Insurance Program records what was actually paid on insured losses, so it measures a narrower thing than the declaration count: uninsured damage, and flooding outside mapped special flood hazard areas, never enters it. Reading the two together is more informative than either alone.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 4 50.0%
of all 8 declarations
Emergency - 4 50.0%
of all 8 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2020 | 2 | |
| 2013 | 1 | |
| 2007 | 1 | |
| 2005 | 1 | |
| 2003 | 1 | |
| 2002 | 1 | |
| 1969 | 1 | |
Disaster Declarations
How the 8 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 8 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4498 | COVID-19 PANDEMIC | DR | Biological | 2020-03-28 |
| 3436 | COVID-19 | EM | Biological | 2020-03-13 |
| 4145 | SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES | DR | Flood | 2013-09-14 |
| 3270 | SNOW | EM | Snowstorm | 2007-01-07 |
| 3224 | HURRICANE KATRINA EVACUATION | EM | Coastal Storm | 2005-09-05 |
| 3185 | SNOW | EM | Snowstorm | 2003-04-09 |
| 1421 | WILDFIRES | DR | Fire | 2002-06-19 |
| 261 | SEVERE STORMS & FLOODING | DR | Flood | 1969-05-19 |
Storm Events in Colorado
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Gilpin County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Hail | 4,913 | 0 | 100 | $2.9B |
| Winter Weather | 2,620 | 3 | 23 | $22.5K |
| High Wind | 1,992 | 5 | 6 | $20.9M |
| Thunderstorm Wind | 1,741 | 2 | 11 | $5.4M |
| Winter Storm | 1,497 | 0 | 0 | $848.0K |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
4
Total Paid
$1.5K
Avg Per Claim
$366
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 6.4/100
Expected Annual Loss
Very Low
$4.5M/year
Social Vulnerability
Very Low
Community Resilience
Relatively High
Hazard Risk Breakdown
Wildfire Relatively Low
Landslide Relatively Low
Avalanche Relatively Low
Hail Relatively Low
Lightning Relatively Low
Winter Weather Relatively Low
Volcanic Activity Very Low
Earthquake Very Low
Tornado Very Low
Riverine Flooding Very Low
Strong Wind Very Low
Ice Storm Very Low
Cold Wave Very Low
Drought No Rating
Heat Wave No Rating
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Wildfire
Wildfire risk in the model reflects fuel, terrain, weather and how much development sits in the wildland-urban interface. It is one of the few hazards where the exposure is materially changed by land management and building choices, not only by where the county happens to be.
Worth noting for Gilpin County: the model and the federal record do NOT point at the same hazard. Wildfire carries the highest modeled rating (Relatively Low), while the county's declaration history is led by Flood. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Gilpin County's closest FEMA peer: Price County, WI
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Gilpin County. Record similarity, not a safety rating.
Closest declaration profiles
Gilpin County shows 8 FEMA declarations, led by Flood.
Similar Major-disaster share
Gilpin County: 4 of 8 of its declarations are Major.
Similar modeled NRI score
Gilpin County: NRI composite 6.4 (Very Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Gilpin County - capture-dated entries only.
Further reading for this county
Understanding disaster data
FEMA's National Risk Index flags Wildfire as the top modeled exposure here (Relatively Low); the guide explains how that model differs from declaration counts.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Related
Frequently Asked Questions
What is the most common disaster type in Gilpin County?
The most common disaster type in Gilpin County is Flood, with 2 declarations. Other disaster types include Biological (2), Snowstorm (2), Coastal Storm (1).
How does Gilpin County's FEMA declaration record compare with the Colorado average?
The typical Colorado county has 10.2 FEMA declaration records; Gilpin County has 8, or 22% fewer. Against the national county mean of 20.7, this county's total is 61% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Gilpin County received?
Gilpin County has received 4 major disaster declarations, representing 50% of all 8 disaster declarations.
How many flood insurance claims has Gilpin County filed?
Gilpin County has 4 National Flood Insurance Program (NFIP) claims totaling $1.5K in payments, with an average of $366 per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Gilpin County?
No. In Gilpin County, Wildfire has the highest National Risk Index rating (Relatively Low), while Riverine Flooding leads Expected Annual Loss at about $1.9M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Gilpin County?
The most active year for disaster declarations in Gilpin County was 2020, with 2 declarations. The county has FEMA disaster data spanning 1969 to 2020.
What is the FEMA National Risk Index score for Gilpin County?
According to the FEMA National Risk Index, Gilpin County, Colorado has an overall risk score of 6.4 out of 100 (Very Low). On social vulnerability the county rates Very Low; on community resilience, Relatively High. The Expected Annual Loss (EAL) score is Very Low, representing $4.5M in annualized losses.
Which natural hazard poses the greatest risk to Gilpin County?
Based on FEMA NRI data, the highest-risk natural hazard in Gilpin County is Wildfire (risk rating: Relatively Low). Other significant hazards include Landslide (Relatively Low) and Avalanche (Relatively Low). FEMA's modeled event frequency puts wildfire here at roughly once every 190 years. These scores are based on FEMA's analysis of historical event frequency, exposed assets, and community vulnerability.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
What this means for Gilpin County
Against a Colorado county mean of 10 declarations, Gilpin County, CO records 8, or 22% fewer. PlainHazard classifies that historical total as moderate activity.
- Major Disaster is the largest group (4 of 8) in a declaration history that remains below its state benchmark; frequency here is not a forecast. Colorado overview
- Nationally the county exceeds 6% of recorded county totals, but its own Colorado benchmark is higher. The ranking keeps those two contexts separate. Most-disaster rankings
- A short NFIP claims file cannot establish low flood exposure; the data guide explains the limits of each federal measure. Disaster-data guide
A below-average federal record is not a safety guarantee. Use National Weather Service alerts and local emergency-management notices for present conditions, not this historical comparison.
PlainHazard derives this profile from FEMA's Disaster Declarations Summaries and National Risk Index data. The declaration comparison covers 3,266 U.S. counties and county equivalents in this database, refreshed as of 2026-08-03. Read our methodology - how this data is sourced, computed, and verified.
All federal data sources used on this page
- FEMA OpenFEMA, Disaster Declarations Summaries v2 - all federally-declared disasters for this county. fema.gov/openfema/disaster-declarations
- FEMA National Risk Index (NRI) - per-county per-hazard risk ratings and expected annual loss. hazards.fema.gov/nri
- NOAA NCEI Storm Events Database - state-level storm/severe-weather event records, 2015-2025. ncdc.noaa.gov/stormevents
Data sourced from official public datasets. See our methodology for details. Retrieved and formatted by PlainHazard Editorial
Verify with FEMA → · Verify with FEMA NRI → · Verify with NOAA →
Every figure on PlainHazard is rendered directly from FEMA federal disaster data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or national statistics report, the data & editorial changelog, or report a data error.