Natural hazards · Gunnison

Gunnison, CO natural hazards

Most of the natural-hazard damage FEMA expects in Gunnison comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1984.

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

Expected damage

How exposed is Gunnison?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gunnison to be higher than in 38% of U.S. communities, mostly from inland flooding.

Inland flooding84%Lightning9%Everything else7%

By hazard

What Gunnison faces

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

Inland flooding

84% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 2 years in the area

Lightning

9% of expected damage

Below average · higher than 34% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong wind

Not a risk here

Coastal floodingHurricanesHeat wavesDroughtAvalanchesTsunamisVolcanic 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 Gunnison flood?

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

2paid claims since 1984

$6Kpaid to owners

0homes flooded more than once

19842026

of homes in flood zones
are insured

of all homes
are insured

🏷️ 15% off flood insurance. Gunnison is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Gunnison County.

Disasters that hit Gunnison

Federal disasters declared here

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

Brought FEMA money into GunnisonDeclared for Gunnison County only

Gunnison County has had 7 natural disasters declared since 1953, most often floods and fires.

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. Gunnison covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Gunnison’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Gunnison. 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 Gunnison total about $2.5M 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.