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Natural hazards · Loveland

Loveland, CO natural hazards

Most of the natural-hazard damage FEMA expects in Loveland comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 20 claims here since 1978. 5 federal disasters brought FEMA money into town.

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

How exposed is Loveland?

20
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loveland to be higher than in 20% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding42%Cold waves18%Tornadoes12%Hail12%Lightning7%Everything else10%
By hazard

What Loveland faces

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

Inland flooding

42% of expected damage
Well below average · higher than 22% of U.S. places
Recorded about 2 times a year in the area

Cold waves

18% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about once a year in the area

Tornadoes

12% of expected damage
Above average · higher than 74% of U.S. places

Hail

12% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about 6 times a year in the area

Lightning

7% of expected damage
Well below average · higher than 22% of U.S. places

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamis
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 Loveland flood?

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

20paid claims since 1978
$1.5Mpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Late summer storms: 14 claims, $1.4M
of homes in flood zones
are insured
of all homes
are insured
🏷️ 25% off flood insurance. Loveland is in FEMA’s Community Rating System (class 5) for its flood-proofing work.
Insurance rates: Larimer County.

What’s been done with FEMA grants

10flood-prone properties bought out and cleared
Disasters that hit Loveland

5 federal disasters brought FEMA money here

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

Brought FEMA money into LovelandDeclared for Larimer County only
2013

Severe Storms, Flooding, Landslides, and Mudslides

671 households applied for aid $1.7M aid approved $17.7M to the City of Loveland for repairs
2008

Severe Storms and Tornadoes

2 households applied for aid
2006

Snow

$72K to the City of Loveland for repairs
2003

Snow

$35K to the City of Loveland for repairs
1999

Co-Flooding 4/30/99

$87K to the City of Loveland for repairs
Larimer County has had 25 natural disasters declared since 1953, most often fires and floods.
Around Loveland

Loveland and the towns around it

Johnstown: Low, mostly inland floodingWindsor: High, mostly inland floodingBerthoud: Low, mostly inland floodingMilliken: High, mostly inland floodingSeverance: Moderate, mostly inland floodingFort Collins: Low, mostly inland floodingGreeley: Low, mostly inland floodingLoveland: Low, mostly inland flooding LovelandJohnstownWindsor
Very lowLowModerateHighVery high
Windsormostly inland floodingHigh
Johnstownmostly inland floodingLow
Lovelandmostly inland floodingLow
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. Loveland covers 14 census tracts, combined by population.
Money that reached townFlood claims are matched to Loveland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Loveland. 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 Loveland total about $18.7M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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