Natural hazards · Timnath

Timnath, CO natural hazards

Most of the natural-hazard damage FEMA expects in Timnath comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2014. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Timnath?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Timnath to be higher than in 36% of U.S. communities, mostly from inland flooding.

Inland flooding49%Cold waves14%Hail12%Tornadoes10%Lightning5%Everything else9%

By hazard

What Timnath faces

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

Inland flooding

49% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Cold waves

14% of expected damage

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

Recorded about once a year in the area

Hail

12% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 74% of U.S. places

Lightning

5% of expected damage

Well below average · higher than 22% of U.S. places

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windDroughtVolcanic 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 Timnath flood?

Every paid claim on a federal flood insurance policy in Timnath, from FEMA’s records.

1paid claims since 2014

$4Kpaid to owners

0homes flooded more than once

20142026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Larimer County.

Disasters that hit Timnath

3 federal disasters brought FEMA money here

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

Brought FEMA money into TimnathDeclared for Larimer County only

2013

Severe Storms, Flooding, Landslides, and Mudslides

1 household applied for aid

2008

Severe Storms and Tornadoes

3 households applied for aid

2006

Snow

$10K to the Town of Timnath for repairs

Larimer County has had 25 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. Timnath 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 Timnath’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Timnath. 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.