Natural hazards · North Washington

North Washington, CO natural hazards

Most of the natural-hazard damage FEMA expects in North Washington comes from hail, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1990.

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

Expected damage

How exposed is North Washington?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Washington to be higher than in 35% of U.S. communities, mostly from hail and inland flooding.

Hail46%Inland flooding32%Tornadoes8%Cold waves6%Everything else9%

By hazard

What North Washington faces

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

Hail

46% of expected damage

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

Recorded about 8 times a year in the area

Inland flooding

32% of expected damage

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

Recorded about once every 2 years in the area

Tornadoes

8% of expected damage

Above average · higher than 62% of U.S. places

Cold waves

6% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 North Washington flood?

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

5paid claims since 1990

$124Kpaid to owners

0homes flooded more than once

19902026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Adams County.

Disasters that hit North Washington

Federal disasters declared here

None of the disasters declared for Adams County shows FEMA aid or repair money reaching North Washington itself in FEMA’s records.

Brought FEMA money into North WashingtonDeclared for Adams County only

Adams County has had 9 natural disasters declared since 1953, most often floods and winter storms.

Around North Washington

North Washington and the towns around it

Very lowLowModerateHighVery high

Denvermostly inland floodingHigh

Berkleymostly inland floodingModerate

Twin Lakesmostly inland floodingModerate

Welbymostly inland floodingModerate

Commerce Citymostly hailModerate

North Washingtonmostly hailLow

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. North Washington covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to North Washington’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to North Washington. 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 North Washington total about $4.4M 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.