Natural hazards · Todd Creek

Todd Creek, CO natural hazards

Most of the natural-hazard damage FEMA expects in Todd Creek comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Todd Creek?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Todd Creek to be higher than in 35% of U.S. communities, mostly from inland flooding and hail.

Inland flooding39%Hail32%Cold waves12%Tornadoes8%Everything else9%

By hazard

What Todd Creek faces

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

Inland flooding

39% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about once every 2 years in the area

Hail

32% of expected damage

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

Recorded about 6 times a year in the area

Cold waves

12% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

Above average · higher than 59% of U.S. places

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 Todd Creek flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Adams County.

Disasters that hit Todd Creek

Federal disasters declared here

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

Brought FEMA money into Todd CreekDeclared for Adams County only

Adams County has had 9 natural disasters declared since 1953, most often floods and winter storms.

Around Todd Creek

Todd Creek and the towns around it

Very lowLowModerateHighVery high

Thorntonmostly hailLow

Todd Creekmostly inland floodingLow

Brightonmostly inland floodingLow

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. Todd Creek covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Todd Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to Todd Creek. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Todd Creek total about $2.3M a year, counting buildings, people and crops.

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.