Natural hazards · Severance

Severance, CO natural hazards

Most of the natural-hazard damage FEMA expects in Severance comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Severance?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Severance to be higher than in 52% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding47%Cold waves19%Tornadoes13%Hail12%Everything else9%

By hazard

What Severance faces

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

Inland flooding

47% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 2 times a year in the area

Cold waves

19% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

13% of expected damage

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

Recorded about once every 30 years in the area

Hail

12% of expected damage

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

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamis

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 Severance flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Weld County.

Disasters that hit Severance

1 federal disaster brought FEMA money here

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

Brought FEMA money into SeveranceDeclared for Weld County only

2008

Severe Storms and Tornadoes

2 households applied for aid

Weld County has had 13 natural disasters declared since 1953, most often floods and severe storms.

Around Severance

Severance and the towns around it

Very lowLowModerateHighVery high

Windsormostly inland floodingHigh

Severancemostly inland floodingModerate

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