Natural hazards · Lone Tree

Lone Tree, CO natural hazards

Most of the natural-hazard damage FEMA expects in Lone Tree comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 2013. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lone Tree?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lone Tree to be higher than in 18% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding39%Tornadoes20%Hail18%Lightning9%Everything else14%

By hazard

What Lone Tree faces

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

Inland flooding

39% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about once a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 87% of U.S. places

Hail

18% of expected damage

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

Recorded about 8 times a year in the area

Lightning

9% of expected damage

Well above average · higher than 84% of U.S. places

Lower here

Ice stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windVolcanic activity

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamis

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 Lone Tree flood?

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

2paid claims since 2013

$4Kpaid to owners

0homes flooded more than once

20132026

Biggest named events

Late summer storms: 1 claim, $2K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lone Tree 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 Lone Tree

2 federal disasters brought FEMA money here

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

Brought FEMA money into Lone TreeDeclared for Douglas County only

2006

Snow

$39K to the City of Lone Tree for repairs

2003

Snow

$30K to the City of Lone Tree for repairs

Douglas County has had 11 natural disasters declared since 1953, most often floods and fires.

Around Lone Tree

Lone Tree and the towns around it

Very lowLowModerateHighVery high

Meridian Villagemostly inland floodingHigh

Highlands Ranchmostly inland floodingLow

Lone Treemostly inland floodingVery low

Acres Greenmostly inland floodingVery low

Meridianmostly inland floodingVery low

Grand View Estatesmostly inland floodingVery low

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. Lone Tree covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Lone Tree’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lone Tree. 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 Lone Tree total about $3.7M 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.