Natural hazards · Berkley

Berkley, CO natural hazards

Most of the natural-hazard damage FEMA expects in Berkley comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 23 claims here since 1980.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Berkley?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Berkley to be higher than in 52% of U.S. communities, mostly from inland flooding and hail.

Inland flooding35%Hail28%Cold waves17%Tornadoes9%Everything else11%

By hazard

What Berkley faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

35% of expected damage

Below average · higher than 36% of U.S. places

Recorded about once every 2 years in the area

Hail

28% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 8 times a year in the area

Cold waves

17% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once a year in the area

Tornadoes

9% of expected damage

Above average · higher than 62% of U.S. places

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamis

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Berkley flood?

Every paid claim on a federal flood insurance policy in Berkley, from FEMA’s records.

23paid claims since 1980

$268Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Berkley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Adams County.

Disasters that hit Berkley

Federal disasters declared here

None of the disasters declared for Adams County shows FEMA aid or repair money reaching Berkley itself in FEMA’s records.

Brought FEMA money into BerkleyDeclared for Adams County only

Adams County has had 9 natural disasters declared since 1953, most often floods and winter storms.

Around Berkley

Berkley and the towns around it

Very lowLowModerateHighVery high

Denvermostly inland floodingHigh

Arvadamostly inland floodingModerate

Berkleymostly inland floodingModerate

Twin Lakesmostly inland floodingModerate

Westminstermostly hailLow

North Washingtonmostly hailLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Berkley covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Berkley’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Berkley. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Berkley total about $3.6M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.