Natural hazards · Larkspur

Larkspur, CO natural hazards

Most of the natural-hazard damage FEMA expects in Larkspur comes from wildfires, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Larkspur?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Larkspur to be higher than in 93% of U.S. communities, mostly from wildfires.

Wildfire74%Inland flooding14%Everything else13%

By hazard

What Larkspur faces

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

Wildfire

74% of expected damage

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

Inland flooding

14% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightningAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesDroughtTsunamis

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 Larkspur flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Douglas County.

Disasters that hit Larkspur

1 federal disaster brought FEMA money here

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

Brought FEMA money into LarkspurDeclared for Douglas County only

2003

Snow

$4K to the Town of Larkspur for repairs

Douglas County has had 11 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. Larkspur 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 Larkspur’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Larkspur. 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.