Natural hazards · Frederick

Frederick, CO natural hazards

Most of the natural-hazard damage FEMA expects in Frederick comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 8 claims here since 1990. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Frederick?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Frederick to be higher than in 39% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding46%Cold waves18%Tornadoes16%Hail11%Everything else10%

By hazard

What Frederick faces

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

Inland flooding

46% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 2 times a year in the area

Cold waves

18% 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 Frederick flood?

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

8paid claims since 1990

$41Kpaid to owners

0homes flooded more than once

19902026

Biggest named events

Late summer storms: 3 claims, $30K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Frederick 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 Frederick

1 federal disaster brought FEMA money here

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

Brought FEMA money into FrederickDeclared for Weld County only

2013

Severe Storms, Flooding, Landslides, and Mudslides

212 households applied for aid $344K aid approved $159K to the Town of Frederick for repairs

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

Around Frederick

Frederick and the towns around it

Very lowLowModerateHighVery high

Frederickmostly inland floodingLow

Firestonemostly inland floodingLow

Eriemostly inland floodingLow

Daconomostly 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. Frederick covers 7 census tracts, combined by population.

Money that reached townFlood claims are matched to Frederick’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Frederick. 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 Frederick total about $4.4M 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.