Natural hazards · St. Mary's

St. Mary's, CO natural hazards

Most of the natural-hazard damage FEMA expects in St. Mary's comes from avalanches, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is St. Mary's?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Mary's to be higher than in 91% of U.S. communities, mostly from avalanches.

Avalanches71%Inland flooding13%Wildfire11%Everything else6%

By hazard

What St. Mary's faces

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

Avalanches

71% of expected damage

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

Recorded about once a year in the area

Inland flooding

13% of expected damage

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

Recorded about once every 4 years in the area

Wildfire

11% of expected damage

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

Lower here

TornadoesHailIce stormsWinter weatherCold wavesEarthquakesLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesHeat wavesDroughtTsunamis

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 St. Mary's flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clear Creek County.

Disasters that hit St. Mary's

Federal disasters declared here

None of the disasters declared for Clear Creek County shows FEMA aid or repair money reaching St. Mary's itself in FEMA’s records.

Brought FEMA money into St. Mary'sDeclared for Clear Creek County only

Clear Creek County has had 6 natural disasters declared since 1953, most often floods and winter 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. St. Mary's 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 St. Mary's’s own flood-insurance community; household aid to the registrant’s city; repair grants to St. Mary's. 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.