Natural hazards · Lamar

Lamar, CO natural hazards

Most of the natural-hazard damage FEMA expects in Lamar comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 9 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lamar?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lamar to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding60%Cold waves13%Lightning10%Tornadoes7%Everything else11%

By hazard

What Lamar faces

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

Inland flooding

60% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

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

Recorded about 2 times a year in the area

Lightning

10% of expected damage

Below average · higher than 48% of U.S. places

Tornadoes

7% of expected damage

Above average · higher than 63% of U.S. places

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windDrought

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 Lamar flood?

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

9paid claims since 1979

$7Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lamar 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 Lamar

1 federal disaster brought FEMA money here

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

Brought FEMA money into LamarDeclared for Prowers County only

2006

Snow

$61K to the City of Lamar for repairs

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. Lamar covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Lamar’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lamar. 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 Lamar total about $3.9M 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.