Natural hazards · Ophir

Ophir, CO natural hazards

Most of the natural-hazard damage FEMA expects in Ophir comes from avalanches, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Ophir?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ophir to be higher than in 80% of U.S. communities, mostly from avalanches and inland flooding.

Avalanches64%Inland flooding28%Everything else8%

By hazard

What Ophir faces

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

Avalanches

64% of expected damage

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

Recorded about once a year in the area

Inland flooding

28% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesCold wavesHeat wavesDroughtTsunamisVolcanic activity

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 Ophir flood?

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

of all homes
are insured

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

Insurance rates: San Miguel County.

Disasters that hit Ophir

Federal disasters declared here

None of the disasters declared for San Miguel County shows FEMA aid or repair money reaching Ophir itself in FEMA’s records.

Brought FEMA money into OphirDeclared for San Miguel County only

San Miguel County has had 7 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. Ophir 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 Ophir’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ophir. 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.