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Natural hazards · Commerce

Commerce, CO natural hazards

Most of the natural-hazard damage FEMA expects in Commerce comes from hail, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Commerce?

40
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Commerce to be higher than in 40% of U.S. communities, mostly from hail and inland flooding.

Hail36%Inland flooding28%Cold waves16%Tornadoes10%Everything else10%
By hazard

What Commerce faces

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

Hail

36% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 8 times a year in the area

Inland flooding

28% of expected damage
Well below average · higher than 16% of U.S. places
Recorded about once every 2 years in the area

Cold waves

16% of expected damage
Well above average · higher than 76% of U.S. places
Recorded about once a year in the area

Tornadoes

10% of expected damage
Above average · higher than 61% of U.S. places

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtVolcanic 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 Commerce flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Commerce 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 Commerce

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Commerce itself: aid to households, or repair grants to the City of Commerce.

Brought FEMA money into CommerceDeclared for Adams County only
2013

Severe Storms, Flooding, Landslides, and Mudslides

174 households applied for aid $178K aid approved $766K to the City of Commerce for repairs
2006

Snow

$20K to the City of Commerce for repairs
2003

Snow

$17K to the City of Commerce for repairs
Adams County has had 9 natural disasters declared since 1953, most often floods and winter storms.
Around Commerce

Commerce and the towns around it

Derby: Low, mostly hailBrighton: Low, mostly inland floodingDenver: High, mostly inland floodingThornton: Low, mostly hailNorth Washington: Low, mostly hailTodd Creek: Low, mostly inland floodingLochbuie: Low, mostly inland floodingFort Lupton: Moderate, mostly inland floodingLakewood: Moderate, mostly hailAurora: Moderate, mostly hailFour Square Mile: Moderate, mostly inland floodingEnglewood: High, mostly inland floodingBow Mar: High, mostly inland floodingBerkley: Moderate, mostly inland floodingLittleton: Moderate, mostly inland floodingGreenwood Village: Low, mostly hailSheridan: High, mostly inland floodingCherry Hills Village: Moderate, mostly inland floodingNorthglenn: Low, mostly hailWelby: Moderate, mostly inland floodingSherrelwood: Low, mostly hailBroomfield: Very low, mostly inland floodingFederal Heights: Low, mostly hailWestminster: Low, mostly hailTwin Lakes: Moderate, mostly inland floodingCommerce City: Moderate, mostly hail Commerce CityDerbyBrightonDenverThorntonNorth Washington
Very lowLowModerateHighVery high
Denvermostly inland floodingHigh
Commerce Citymostly hailModerate
Thorntonmostly hailLow
North Washingtonmostly hailLow
Brightonmostly inland floodingLow
Derbymostly 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. Commerce covers 9 census tracts, combined by population.
Money that reached townFlood claims are matched to Commerce’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Commerce. 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 Commerce total about $14.3M 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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