Natural hazards · Fruitvale

Fruitvale, CO natural hazards

Most of the natural-hazard damage FEMA expects in Fruitvale comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 1999.

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

Expected damage

How exposed is Fruitvale?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fruitvale to be higher than in 7% of U.S. communities, mostly from inland flooding and lightning.

Inland flooding69%Lightning15%Earthquakes9%Everything else8%

By hazard

What Fruitvale faces

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

Inland flooding

69% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 3 times a year in the area

Lightning

15% of expected damage

Below average · higher than 35% of U.S. places

Earthquakes

9% of expected damage

Above average · higher than 64% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

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 Fruitvale flood?

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

1paid claims since 1999

$687paid to owners

0homes flooded more than once

19992026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mesa County.

Disasters that hit Fruitvale

Federal disasters declared here

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

Brought FEMA money into FruitvaleDeclared for Mesa County only

Mesa County has had 6 natural disasters declared since 1953, most often fires and floods.

Around Fruitvale

Fruitvale and the towns around it

Very lowLowModerateHighVery high

Cliftonmostly inland floodingLow

Grand Junctionmostly inland floodingVery low

Fruitvalemostly inland floodingVery low

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. Fruitvale covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Fruitvale’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Fruitvale. 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 Fruitvale total about $1.1M 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.