Natural hazards · Wellington

Wellington, CO natural hazards

Most of the natural-hazard damage FEMA expects in Wellington comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1982. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Wellington?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wellington to be higher than in 60% of U.S. communities, mostly from inland flooding.

Inland flooding58%Cold waves14%Tornadoes7%Hail7%Lightning6%Everything else8%

By hazard

What Wellington faces

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

Inland flooding

58% of expected damage

Above average · higher than 74% 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

Tornadoes

7% of expected damage

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

Recorded about once every 82 years in the area

Hail

7% of expected damage

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

Recorded about 6 times a year in the area

Lightning

6% of expected damage

Below average · higher than 25% of U.S. places

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Wellington flood?

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

3paid claims since 1982

$52Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Wellington 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 Wellington

2 federal disasters brought FEMA money here

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

Brought FEMA money into WellingtonDeclared for Larimer County only

2013

Severe Storms, Flooding, Landslides, and Mudslides

10 households applied for aid $8K aid approved

2008

Severe Storms and Tornadoes

6 households applied for aid

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. Wellington 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 Wellington’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Wellington. 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.