Natural hazards · Paonia

Paonia, CO natural hazards

Most of the natural-hazard damage FEMA expects in Paonia comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 4 claims here since 1980.

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

Expected damage

How exposed is Paonia?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Paonia to be higher than in 86% of U.S. communities, mostly from inland flooding.

Inland flooding78%Avalanches9%Everything else13%

By hazard

What Paonia faces

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

Inland flooding

78% of expected damage

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

Recorded about once every 2 years in the area

Avalanches

9% of expected damage

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

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesTsunamis

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 Paonia flood?

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

4paid claims since 1980

$47Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Delta County.

Disasters that hit Paonia

Federal disasters declared here

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

Brought FEMA money into PaoniaDeclared for Delta County only

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