Natural hazards · Georgetown

Georgetown, CO natural hazards

Most of the natural-hazard damage FEMA expects in Georgetown comes from avalanches, and overall the risk is very high for a U.S. community. Flood insurance has paid 4 claims here since 1979. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Georgetown?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Georgetown to be higher than in 97% of U.S. communities, mostly from avalanches and inland flooding.

Avalanches67%Inland flooding25%Everything else8%

By hazard

What Georgetown faces

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

Avalanches

67% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Inland flooding

25% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 4 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong 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 Georgetown flood?

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

4paid claims since 1979

$7Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clear Creek County.

Disasters that hit Georgetown

2 federal disasters brought FEMA money here

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

Brought FEMA money into GeorgetownDeclared for Clear Creek County only

2013

Severe Storms, Flooding, Landslides, and Mudslides

1 household applied for aid

2003

Snow

$58K to the Town of Georgetown for repairs

Clear Creek County has had 6 natural disasters declared since 1953, most often floods and winter storms.

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. Georgetown 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 Georgetown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Georgetown. 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.