Natural hazards · Fort Lupton

Fort Lupton, CO natural hazards

Most of the natural-hazard damage FEMA expects in Fort Lupton comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Fort Lupton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fort Lupton to be higher than in 46% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding44%Cold waves19%Tornadoes16%Hail11%Everything else11%

By hazard

What Fort Lupton 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

Above average · higher than 56% of U.S. places

Recorded about 2 times a year in the area

Cold waves

19% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 90% of U.S. places

Hail

11% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 6 times a year in the area

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 Fort Lupton flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Weld County.

Disasters that hit Fort Lupton

1 federal disaster brought FEMA money here

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

Brought FEMA money into Fort LuptonDeclared for Weld County only

2013

Severe Storms, Flooding, Landslides, and Mudslides

76 households applied for aid $144K aid approved $381K to the City of Fort Lupton for repairs

Weld County has had 13 natural disasters declared since 1953, most often floods and severe storms.

Around Fort Lupton

Fort Lupton and the towns around it

Very lowLowModerateHighVery high

Fort Luptonmostly inland floodingModerate

Firestonemostly inland floodingLow

Daconomostly inland floodingLow

Brightonmostly 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. Fort Lupton covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Fort Lupton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Fort Lupton. 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 Fort Lupton total about $1.8M 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.