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Natural hazards · Estes Park

Estes Park, CO natural hazards

Most of the natural-hazard damage FEMA expects in Estes Park comes from avalanches, and overall the risk is very high for a U.S. community. Flood insurance has paid 73 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

How exposed is Estes Park?

90
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Estes Park to be higher than in 90% of U.S. communities, mostly from avalanches and inland flooding.

Avalanches50%Inland flooding38%Wildfire7%Everything else5%
By hazard

What Estes Park faces

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

Avalanches

50% of expected damage
Well below average · higher than 0% of U.S. places
Recorded about once every 5 years in the area

Inland flooding

38% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about 2 times a year in the area

Wildfire

7% of expected damage
Well above average · higher than 98% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesEarthquakesLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesHeat wavesDroughtTsunamis
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 Estes Park flood?

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

73paid claims since 1978
$1.8Mpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Late summer storms: 47 claims, $1.3M
of homes in flood zones
are insured
of all homes
are insured
No community discount. Estes Park isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Larimer County.

What’s been done with FEMA grants

11buildings floodproofed
Disasters that hit Estes Park

4 federal disasters brought FEMA money here

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

Brought FEMA money into Estes ParkDeclared for Larimer County only
2020

Wildfires

$65K to the Town of Estes Park for repairs
2013

Severe Storms, Flooding, Landslides, and Mudslides

1,444 households applied for aid $1.6M aid approved $4.2M to the Town of Estes Park for repairs
2006

Snow

$9K to the Town of Estes Park for repairs
2003

Snow

$13K to the Town of Estes Park for repairs
Larimer County has had 25 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. Estes Park 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 Estes Park’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Estes Park. 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.

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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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