Natural hazards · Twin Lakes

Twin Lakes, CO natural hazards

Most of the natural-hazard damage FEMA expects in Twin Lakes 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 Twin Lakes?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Twin Lakes to be higher than in 50% of U.S. communities, mostly from inland flooding and hail.

Inland flooding33%Hail30%Cold waves16%Tornadoes9%Everything else12%

By hazard

What Twin Lakes faces

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

Inland flooding

33% of expected damage

Below average · higher than 32% of U.S. places

Recorded about once every 2 years in the area

Hail

30% of expected damage

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

Recorded about 8 times a year in the area

Cold waves

16% of expected damage

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

Recorded about once a year in the area

Tornadoes

9% of expected damage

Above average · higher than 62% of U.S. places

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningVolcanic 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 Twin Lakes flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Twin Lakes 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 Twin Lakes

Federal disasters declared here

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

Brought FEMA money into Twin LakesDeclared for Adams County only

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

Around Twin Lakes

Twin Lakes and the towns around it

Very lowLowModerateHighVery high

Berkleymostly inland floodingModerate

Twin Lakesmostly inland floodingModerate

Welbymostly inland floodingModerate

Sherrelwoodmostly hailLow

Westminstermostly hailLow

North Washingtonmostly hailLow

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. Twin Lakes covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Twin Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to Twin Lakes. 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 Twin Lakes total about $1.4M 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.