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Natural hazards · Castle Rock

Castle Rock, CO natural hazards

Most of the natural-hazard damage FEMA expects in Castle Rock comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2015. 2 federal disasters brought FEMA money into town.

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

How exposed is Castle Rock?

42
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Castle Rock to be higher than in 42% of U.S. communities, mostly from inland flooding.

Inland flooding44%Wildfire14%Tornadoes13%Hail12%Lightning8%Everything else9%
By hazard

What Castle Rock faces

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

Inland flooding

44% of expected damage
Below average · higher than 36% of U.S. places
Recorded about once a year in the area

Wildfire

14% of expected damage
Well above average · higher than 96% of U.S. places

Tornadoes

13% of expected damage
Well above average · higher than 80% of U.S. places

Hail

12% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about 7 times a year in the area

Lightning

8% of expected damage
Well above average · higher than 85% of U.S. places

Lower here

Ice stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamis
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 Castle Rock flood?

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

3paid claims since 2015
$19Kpaid to owners
0homes flooded more than once
20152026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Castle Rock isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Douglas County.
Disasters that hit Castle Rock

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Castle Rock itself: aid to households, or repair grants to the Town of Castle Rock.

Brought FEMA money into Castle RockDeclared for Douglas County only
2006

Snow

$70K to the Town of Castle Rock for repairs
2003

Snow

$61K to the Town of Castle Rock for repairs
Douglas County has had 11 natural disasters declared since 1953, most often floods and fires.
Around Castle Rock

Castle Rock and the towns around it

Castle Pines Village: Low, mostly inland floodingCastle Pines: Low, mostly inland floodingThe Pinery: High, mostly inland floodingCastle Rock: Moderate, mostly inland flooding Castle RockCastle Pines VillageCastle PinesThe Pinery
Very lowLowModerateHighVery high
The Pinerymostly inland floodingHigh
Castle Rockmostly inland floodingModerate
Castle Pines Villagemostly inland floodingLow
Castle Pinesmostly inland floodingLow
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. Castle Rock covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to Castle Rock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Castle Rock. 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 Castle Rock total about $12.8M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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