Gilpin County, Colorado: hazard risk
FEMA rates Gilpin County's overall risk Very Low (score 6.4 of 100, higher than 6% of rated U.S. counties). Its storm record holds 108 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 Low | 87.5 | $1.2M |
| Landslide | Relatively Low | 85.2 | $40K |
| Avalanche | Relatively Low | 78.1 | $131K |
| Hail | Relatively Low | 64.7 | $581K |
| Lightning | Relatively Low | 42.0 | $225K |
| Winter Weather | Relatively Low | 31.8 | $42K |
| Volcanic Activity | Very Low | 25.7 | $1 |
| Earthquake | Very Low | 23.7 | $50K |
| Tornado | Very Low | 15.9 | $203K |
| Riverine Flooding | Very Low | 11.6 | $1.9M |
| Strong Wind | Very Low | 9.3 | $86K |
| Ice Storm | Very Low | 7.5 | $5K |
| Cold Wave | Very Low | 4.2 | $10K |
| Drought | No Rating | 0.0 | $0 |
| Heat Wave | No Rating | 0.0 | $0 |
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. |
|---|---|---|---|---|---|
| Winter storms | 52 | 0 | – | 27th of 63 | 374th of 3,077 |
| High wind and dust storms | 31 | 0 | – | 9th of 63 | 203rd of 3,080 |
| Hail | 16 | 0 | – | 29th of 63 | 2214th of 3,080 |
| Wildfires | 3 | 0 | – | 17th of 63 | 135th of 2,972 |
| Floods | 2 | 0 | $905K | 35th of 63 | 2594th of 3,080 |
| Landslides and avalanches | 2 | 1 | – | 20th of 63 | 66th of 2,278 |
| Extreme cold | 1 | 0 | – | 33rd of 63 | 2114th of 3,076 |
| Lightning | 1 | 0 | – | 17th of 63 | 1010th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Gilpin County record: every hazard by year and month, the deadliest events and FEMA's declarations.