Natural hazards · Derby

Derby, CO natural hazards

Most of the natural-hazard damage FEMA expects in Derby comes from hail, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Derby?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Derby to be higher than in 29% of U.S. communities, mostly from hail and inland flooding.

Hail40%Inland flooding20%Cold waves18%Tornadoes11%Everything else12%

By hazard

What Derby faces

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

Hail

40% 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

20% of expected damage

Well below average · higher than 3% of U.S. places

Recorded about once every 2 years in the area

Cold waves

18% of expected damage

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

Recorded about once a year in the area

Tornadoes

11% of expected damage

Above average · higher than 62% 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 Derby flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Derby 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 Derby

Federal disasters declared here

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

Brought FEMA money into DerbyDeclared for Adams County only

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

Around Derby

Derby and the towns around it

Very lowLowModerateHighVery high

Commerce Citymostly hailModerate

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. Derby covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Derby’s own flood-insurance community; household aid to the registrant’s city; repair grants to Derby. 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 Derby total about $2.2M 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.