Natural hazards · Florence

Florence, CO natural hazards

Most of the natural-hazard damage FEMA expects in Florence comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 1999. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Florence?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Florence to be higher than in 92% of U.S. communities, mostly from inland flooding.

Inland flooding89%Everything else11%

By hazard

What Florence faces

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

Inland flooding

89% of expected damage

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

Recorded about 2 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat 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 Florence flood?

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

2paid claims since 1999

$15Kpaid to owners

0homes flooded more than once

19992026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fremont County.

Disasters that hit Florence

1 federal disaster brought FEMA money here

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

Brought FEMA money into FlorenceDeclared for Fremont County only

2013

Severe Storms, Flooding, Landslides, and Mudslides

11 households applied for aid $8K aid approved

Fremont County has had 11 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. Florence 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 Florence’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Florence. 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.