Natural hazards · Hartman

Hartman, CO natural hazards

Most of the natural-hazard damage FEMA expects in Hartman comes from drought, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Hartman?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartman to be higher than in 47% of U.S. communities, mostly from drought and inland flooding.

Drought29%Inland flooding26%Hail20%Cold waves15%Everything else10%

By hazard

What Hartman faces

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

Drought

29% of expected damage

Recorded about 91 times a year in the area

Inland flooding

26% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once a year in the area

Hail

20% of expected damage

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

Recorded about 7 times a year in the area

Cold waves

15% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 2 times a year in the area

Lower here

TornadoesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Hartman flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Prowers County.

Disasters that hit Hartman

Federal disasters declared here

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

Brought FEMA money into HartmanDeclared for Prowers County only

Prowers County has had 7 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. Hartman 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 Hartman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hartman. 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.