Natural hazards · Carbonate

Carbonate, CO natural hazards

Most of the natural-hazard damage FEMA expects in Carbonate comes from avalanches, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Carbonate?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carbonate to be higher than in 74% of U.S. communities, mostly from avalanches and inland flooding.

Avalanches46%Inland flooding39%Landslides10%Everything else5%

By hazard

What Carbonate faces

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

Avalanches

46% of expected damage

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

Recorded about once a year in the area

Inland flooding

39% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Landslides

10% of expected damage

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

Lower here

TornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesHeat wavesTsunamis

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 Carbonate flood?

FEMA's records show no paid flood insurance claims in Carbonate.

of all homes
are insured

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

Insurance rates: Garfield County.

Disasters that hit Carbonate

Federal disasters declared here

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

Brought FEMA money into CarbonateDeclared for Garfield County only

Garfield County has had 10 natural disasters declared since 1953, most often fires and floods.

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. Carbonate is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.