Phillips County, Colorado: hazard risk
FEMA rates Phillips County's overall risk Very Low (score 12.3 of 100, higher than 12% of rated U.S. counties). Its storm record holds 532 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 |
|---|---|---|---|
| Drought | Relatively Moderate | 88.8 | $2.0M |
| Hail | Relatively Moderate | 77.4 | $988K |
| Strong Wind | Relatively Low | 49.4 | $704K |
| Cold Wave | Relatively Low | 37.5 | $768K |
| Tornado | Relatively Low | 33.0 | $786K |
| Ice Storm | Relatively Low | 30.1 | $42K |
| Wildfire | Very Low | 31.5 | $20K |
| Lightning | Very Low | 21.4 | $95K |
| Earthquake | Very Low | 20.8 | $40K |
| Winter Weather | Very Low | 20.6 | $24K |
| Riverine Flooding | Very Low | 8.3 | $1.5M |
| Heat Wave | Very Low | 7.1 | $13K |
| Landslide | Very Low | 0.7 | $1 |
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 | 224 | 0 | $13M | 9th of 63 | 579th of 3,080 |
| Severe thunderstorm wind | 123 | 0 | $1.6M | 3rd of 63 | 2158th of 3,080 |
| High wind and dust storms | 64 | 0 | $1.2M | 17th of 63 | 372nd of 3,080 |
| Tornadoes | 51 | 0 | $6.6M | 5th of 63 | 409th of 3,080 |
| Winter storms | 43 | 0 | – | 48th of 63 | 2091st of 3,077 |
| Floods | 14 | 0 | $512K | 24th of 63 | 2431st of 3,080 |
| Extreme cold | 7 | 0 | – | 21st of 63 | 1748th of 3,076 |
| Drought | 4 | 0 | – | 28th of 63 | 2168th of 3,063 |
| Heavy rain | 1 | 0 | – | 36th of 63 | 2100th of 3,080 |
| Wildfires | 1 | 0 | $361K | 54th of 63 | 1021st 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 Phillips County record: every hazard by year and month, the deadliest events and FEMA's declarations.