Natural hazards · San Luis

San Luis, CO natural hazards

Most of the natural-hazard damage FEMA expects in San Luis comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is San Luis?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in San Luis to be higher than in 47% of U.S. communities, mostly from inland flooding and drought.

Inland flooding59%Drought17%Cold waves8%Everything else16%

By hazard

What San Luis faces

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

Inland flooding

59% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 2 years in the area

Drought

17% of expected damage

Recorded about 100 times a year in the area

Cold waves

8% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingHurricanesTsunamisVolcanic 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 San Luis flood?

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

of all homes
are insured

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

Insurance rates: Costilla County.

Disasters that hit San Luis

Federal disasters declared here

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

Brought FEMA money into San LuisDeclared for Costilla County only

Costilla County has had 8 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. San Luis 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 San Luis’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of San Luis. 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.