Natural hazards · Pueblo

Pueblo, CO natural hazards

Most of the natural-hazard damage FEMA expects in Pueblo comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 23 claims here since 1980. 4 federal disasters brought FEMA money into town.

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

How exposed is Pueblo?

29
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pueblo to be higher than in 29% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding41%Cold waves20%Hail12%Lightning11%Tornadoes7%Everything else9%
By hazard

What Pueblo faces

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

Inland flooding

41% of expected damage
Below average · higher than 42% of U.S. places
Recorded about 3 times a year in the area

Cold waves

20% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about once a year in the area

Hail

12% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about 5 times a year in the area

Lightning

11% of expected damage
Above average · higher than 55% of U.S. places

Tornadoes

7% of expected damage
Above average · higher than 52% of U.S. places

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windDrought

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 Pueblo flood?

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

23paid claims since 1980
$119Kpaid to owners
1homes flooded more than once
19802026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Pueblo isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pueblo County.
Disasters that hit Pueblo

4 federal disasters brought FEMA money here

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

Brought FEMA money into PuebloDeclared for Pueblo County only
2015

Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides

$474K to the City of Pueblo for repairs
2006

Snow

$47K to the City of Pueblo for repairs
2003

Snow

$2K to the City of Pueblo for repairs
1999

Co-Flooding 4/30/99

$150K to the City of Pueblo for repairs
Pueblo County has had 17 natural disasters declared since 1953, most often fires and floods.
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. Pueblo covers 36 census tracts, combined by population.
Money that reached townFlood claims are matched to Pueblo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Pueblo. 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 Pueblo total about $24.6M 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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