Natural hazards · Trinidad

Trinidad, CO natural hazards

Most of the natural-hazard damage FEMA expects in Trinidad comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1998. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Trinidad?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Trinidad to be higher than in 31% of U.S. communities, mostly from inland flooding.

Inland flooding54%Cold waves13%Lightning9%Avalanches8%Wildfire6%Everything else12%

By hazard

What Trinidad faces

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

Inland flooding

54% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once every 2 years in the area

Cold waves

13% of expected damage

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

Recorded about once a year in the area

Lightning

9% of expected damage

Below average · higher than 36% of U.S. places

Avalanches

8% of expected damage

Well below average · higher than 0% of U.S. places

Recorded about once every 30 years in the area

Wildfire

6% of expected damage

Well above average · higher than 94% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windDrought

Not a risk here

Coastal floodingHurricanesTsunamisVolcanic activity

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 Trinidad flood?

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

2paid claims since 1998

$11Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Las Animas County.

Disasters that hit Trinidad

3 federal disasters brought FEMA money here

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

Brought FEMA money into TrinidadDeclared for Las Animas County only

2006

Snow

$98K to the City of Trinidad for repairs

2003

Snow

$4K to the City of Trinidad for repairs

1999

Co-Flooding 4/30/99

$13K to the City of Trinidad for repairs

Las Animas County has had 9 natural disasters declared since 1953, most often fires 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. Trinidad 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 Trinidad’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Trinidad. 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.

Trinidad, CO natural hazards

How exposed is Trinidad?

What Trinidad faces

Inland flooding

Cold waves

Lightning

Avalanches

Wildfire

Lower here

Not a risk here

Does Trinidad flood?

3 federal disasters brought FEMA money here

Snow

Snow

Co-Flooding 4/30/99

How to read this page

Where to, neighbor?

Matches

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