Natural hazards · Sunshine

Sunshine, CO natural hazards

Most of the natural-hazard damage FEMA expects in Sunshine comes from wildfires, 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 Sunshine?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sunshine to be higher than in 95% of U.S. communities, mostly from wildfires and avalanches.

Wildfire46%Avalanches25%Inland flooding22%Everything else8%

By hazard

What Sunshine faces

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

Wildfire

46% of expected damage

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

Avalanches

25% of expected damage

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

Recorded about once every 2 years in the area

Inland flooding

22% of expected damage

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

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesDroughtTsunamis

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 Sunshine flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Boulder County.

Disasters that hit Sunshine

Federal disasters declared here

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

Brought FEMA money into SunshineDeclared for Boulder County only

Boulder County has had 15 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. Sunshine 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 Sunshine’s own flood-insurance community; household aid to the registrant’s city; repair grants to Sunshine. 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.