Natural hazards · Laird

Laird, CO natural hazards

Most of the natural-hazard damage FEMA expects in Laird comes from cold waves, 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 Laird?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Laird to be higher than in 42% of U.S. communities, mostly from cold waves and hail.

Cold waves41%Hail19%Inland flooding14%Strong wind11%Tornadoes10%Everything else5%

By hazard

What Laird faces

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

Cold waves

41% of expected damage

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

Recorded about 7 times a year in the area

Hail

19% of expected damage

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

Recorded about 8 times a year in the area

Inland flooding

14% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Strong wind

11% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

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

Recorded about once a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Laird flood?

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

of all homes
are insured

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

Insurance rates: Yuma County.

Disasters that hit Laird

Federal disasters declared here

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

Brought FEMA money into LairdDeclared for Yuma County only

Yuma County has had 5 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. Laird 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 Laird’s own flood-insurance community; household aid to the registrant’s city; repair grants to Laird. 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.