Natural hazards · Stepping Stone

Stepping Stone, CO natural hazards

Most of the natural-hazard damage FEMA expects in Stepping Stone 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 Stepping Stone?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stepping Stone to be higher than in 44% of U.S. communities, mostly from inland flooding.

Inland flooding48%Tornadoes15%Hail13%Wildfire9%Lightning7%Everything else9%

By hazard

What Stepping Stone faces

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

Inland flooding

48% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 87 years in the area

Hail

13% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 8 times a year in the area

Wildfire

9% of expected damage

Well above average · higher than 95% of U.S. places

Lightning

7% of expected damage

Well above average · higher than 84% of U.S. places

Lower here

Ice stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windVolcanic activity

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamis

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 Stepping Stone flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Douglas County.

Disasters that hit Stepping Stone

Federal disasters declared here

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

Brought FEMA money into Stepping StoneDeclared for Douglas County only

Douglas County has had 11 natural disasters declared since 1953, most often floods and fires.

Around Stepping Stone

Stepping Stone and the towns around it

Very lowLowModerateHighVery high

Meridian Villagemostly inland floodingHigh

Sierra Ridgemostly inland floodingHigh

Parkermostly inland floodingModerate

Stepping Stonemostly 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. Stepping Stone 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 Stepping Stone’s own flood-insurance community; household aid to the registrant’s city; repair grants to Stepping Stone. 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.