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Natural hazards · Monument

Monument, CO natural hazards

Most of the natural-hazard damage FEMA expects in Monument comes from wildfires, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2015. 3 federal disasters brought FEMA money into town.

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

How exposed is Monument?

70
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monument to be higher than in 70% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire45%Inland flooding26%Tornadoes13%Hail8%Everything else8%
By hazard

What Monument faces

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

Wildfire

45% of expected damage
Well above average · among the top 1% of U.S. places

Inland flooding

26% of expected damage
Below average · higher than 25% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

13% of expected damage
Well above average · higher than 78% of U.S. places

Hail

8% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about 7 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightningVolcanic 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 Monument flood?

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

1paid claims since 2015
$2Kpaid to owners
0homes flooded more than once
20152026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Monument isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: El Paso County.
Disasters that hit Monument

3 federal disasters brought FEMA money here

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

Brought FEMA money into MonumentDeclared for El Paso County only
2013

Severe Storms, Flooding, Landslides, and Mudslides

4 households applied for aid $18K aid approved
2006

Snow

$5K to the Town of Monument for repairs
2003

Snow

$4K to the Town of Monument for repairs
El Paso County has had 16 natural disasters declared since 1953, most often floods and fires.
Around Monument

Monument and the towns around it

Woodmoor: High, mostly wildfiresGleneagle: Moderate, mostly inland floodingPalmer Lake: Very high, mostly wildfiresColorado Springs: Moderate, mostly inland floodingMonument: High, mostly wildfires MonumentWoodmoorGleneaglePalmer Lake
Very lowLowModerateHighVery high
Palmer Lakemostly wildfiresVery high
Woodmoormostly wildfiresHigh
Monumentmostly wildfiresHigh
Gleneaglemostly inland floodingModerate
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. Monument covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Monument’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Monument. 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 Monument total about $3.0M 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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