Natural hazards · Paoli

Paoli, CO natural hazards

Most of the natural-hazard damage FEMA expects in Paoli comes from drought, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Paoli?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Paoli to be higher than in 28% of U.S. communities, mostly from drought and hail.

Drought31%Hail18%Inland flooding17%Cold waves13%Tornadoes11%Strong wind8%Everything else3%

By hazard

What Paoli faces

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

Drought

31% of expected damage

Recorded about 57 times a year in the area

Hail

18% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 7 times a year in the area

Inland flooding

17% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once every 2 years in the area

Cold waves

13% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 3 years in the area

Strong wind

8% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Paoli flood?

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

of all homes
are insured

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

Insurance rates: Phillips County.

Disasters that hit Paoli

Federal disasters declared here

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

Brought FEMA money into PaoliDeclared for Phillips County only

Phillips County has had 4 natural disasters declared since 1953, most often floods and severe storms.

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. Paoli 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 Paoli’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Paoli. 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.