Elbert County, Colorado: hazard risk
FEMA rates Elbert County's overall risk Very Low (score 36.6 of 100, higher than 36% of rated U.S. counties). Its storm record holds 1,270 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Wildfire | Relatively Moderate | 95.1 | $5.1M |
| Hail | Relatively Moderate | 89.1 | $2.3M |
| Winter Weather | Relatively Moderate | 76.2 | $252K |
| Cold Wave | Relatively Low | 49.3 | $1.3M |
| Tornado | Relatively Low | 48.9 | $1.7M |
| Lightning | Relatively Low | 42.5 | $254K |
| Drought | Relatively Low | 34.3 | $54K |
| Strong Wind | Relatively Low | 28.2 | $390K |
| Volcanic Activity | Very Low | 35.8 | $6 |
| Landslide | Very Low | 32.1 | $523 |
| Earthquake | Very Low | 32.1 | $133K |
| Riverine Flooding | Very Low | 29.9 | $5.0M |
| Ice Storm | Very Low | 19.5 | $23K |
| Heat Wave | Very Low | 9.5 | $23K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Hail | 571 | 0 | $17K | 16th of 63 | 1128th of 3,080 |
| Winter storms | 299 | 3 | $25M | 44th of 63 | 1311th of 3,077 |
| Tornadoes | 127 | 0 | $1.2M | 10th of 63 | 955th of 3,080 |
| High wind and dust storms | 115 | 3 | $1.0M | 34th of 63 | 957th of 3,080 |
| Severe thunderstorm wind | 92 | 0 | $53K | 22nd of 63 | 2655th of 3,080 |
| Floods | 26 | 0 | $457K | 34th of 63 | 2589th of 3,080 |
| Extreme cold | 21 | 0 | – | 38th of 63 | 2302nd of 3,076 |
| Drought | 13 | 0 | – | 33rd of 63 | 2349th of 3,063 |
| Lightning | 4 | 0 | $6K | 33rd of 63 | 1863rd of 3,080 |
| Heavy rain | 1 | 0 | – | 53rd of 63 | 2338th of 3,080 |
| Wildfires | 1 | 0 | – | 60th of 63 | 1228th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Elbert County record: every hazard by year and month, the deadliest events and FEMA's declarations.