Natural hazards · Johnstown

Johnstown, CO natural hazards

Most of the natural-hazard damage FEMA expects in Johnstown comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2018. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Johnstown?

Low

vs. U.S. communities

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

Inland flooding44%Cold waves20%Tornadoes16%Hail10%Everything else10%

By hazard

What Johnstown faces

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

Inland flooding

44% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

20% 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 89% of U.S. places

Recorded about once every 76 years in the area

Hail

10% 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 Johnstown flood?

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

1paid claims since 2018

$10Kpaid to owners

0homes flooded more than once

20182026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Johnstown 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 Johnstown

2 federal disasters brought FEMA money here

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

Brought FEMA money into JohnstownDeclared for Weld County only

2013

Severe Storms, Flooding, Landslides, and Mudslides

43 households applied for aid $95K aid approved $79K to the Town of Johnstown for repairs

2008

Severe Storms and Tornadoes

1 household applied for aid

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

Around Johnstown

Johnstown and the towns around it

Very lowLowModerateHighVery high

Millikenmostly inland floodingHigh

Johnstownmostly inland floodingLow

Berthoudmostly inland floodingLow

Lovelandmostly 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. Johnstown covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Johnstown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Johnstown. 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 Johnstown total about $1.7M 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.