Natural hazards · Keystone

Keystone, CO natural hazards

Most of the natural-hazard damage FEMA expects in Keystone comes from avalanches, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Keystone?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Keystone to be higher than in 87% of U.S. communities, mostly from avalanches and inland flooding.

Avalanches79%Inland flooding20%Everything else2%

By hazard

What Keystone faces

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

Avalanches

79% of expected damage

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

Recorded about once a year in the area

Inland flooding

20% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 28 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 Keystone flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Summit County.

Disasters that hit Keystone

Federal disasters declared here

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

Brought FEMA money into KeystoneDeclared for Summit County only

Summit County has had 4 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. Keystone 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 Keystone’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Keystone. 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.