Larimer County, Colorado: hazard risk
FEMA rates Larimer County's overall risk Relatively Moderate (score 90.1 of 100, higher than 90% of rated U.S. counties); 8 of its 15 hazards are rated Relatively High or Very High, led by lightning, winter weather, hail. Its storm record holds 1,978 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 |
|---|---|---|---|
| Lightning | Very High | 99.2 | $6.9M |
| Winter Weather | Very High | 97.9 | $1.8M |
| Hail | Relatively High | 98.3 | $11M |
| Wildfire | Relatively High | 97.7 | $15M |
| Cold Wave | Relatively High | 94.8 | $16M |
| Avalanche | Relatively High | 91.8 | $2.9M |
| Tornado | Relatively High | 90.6 | $11M |
| Strong Wind | Relatively High | 87.9 | $2.7M |
| Landslide | Relatively Moderate | 97.2 | $491K |
| Riverine Flooding | Relatively Moderate | 89.4 | $54M |
| Earthquake | Relatively Low | 81.0 | $2.7M |
| Heat Wave | Relatively Low | 58.8 | $817K |
| Ice Storm | Relatively Low | 50.9 | $132K |
| Drought | Relatively Low | 47.4 | $182K |
| Volcanic Activity | Very Low | 62.5 | $69 |
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 | 669 | 1 | $50M | 41st of 63 | 839th of 3,077 |
| Hail | 620 | 0 | $8.6M | 26th of 63 | 1855th of 3,080 |
| High wind and dust storms | 337 | 0 | $25M | 16th of 63 | 368th of 3,080 |
| Severe thunderstorm wind | 136 | 2 | $142K | 21st of 63 | 2611th of 3,080 |
| Floods | 83 | 13 | $491M | 19th of 63 | 2250th of 3,080 |
| Lightning | 46 | 9 | $349K | 7th of 63 | 443rd of 3,080 |
| Tornadoes | 33 | 0 | $223K | 28th of 63 | 2357th of 3,080 |
| Wildfires | 16 | 0 | $406M | 35th of 63 | 485th of 2,972 |
| Landslides and avalanches | 12 | 10 | – | 33rd of 63 | 162nd of 2,278 |
| Drought | 10 | 0 | – | 36th of 63 | 2398th of 3,063 |
| Extreme cold | 10 | 0 | – | 46th of 63 | 2530th of 3,076 |
| Heavy rain | 3 | 0 | – | 39th of 63 | 2176th 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 Larimer County record: every hazard by year and month, the deadliest events and FEMA's declarations.