Natural hazards · Coldwater

Coldwater, KS natural hazards

Most of the natural-hazard damage FEMA expects in Coldwater comes from wildfires, and overall the risk is very high for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Coldwater?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coldwater to be higher than in 95% of U.S. communities, mostly from wildfires and drought.

Wildfire44%Drought19%Cold waves15%Tornadoes7%Inland flooding7%Hail5%Everything else5%

By hazard

What Coldwater faces

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

Wildfire

44% of expected damage

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

Drought

19% of expected damage

Recorded about 73 times a year in the area

Cold waves

15% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Inland flooding

7% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once every 3 years in the area

Hail

5% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 10 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Coldwater flood?

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

of all homes
are insured

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

Insurance rates: Comanche County.

Disasters that hit Coldwater

6 federal disasters brought FEMA money here

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

Brought FEMA money into ColdwaterDeclared for Comanche County only

2023

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

$73K to the City of Coldwater for repairs

2017

Severe Winter Storm

$40K to the City of Coldwater for repairs

2010

Severe Storms, Flooding, and Tornadoes

$4K to the City of Coldwater for repairs

2009

Severe Winter Storm and Record and Near Record Snow

$5K to the City of Coldwater for repairs

2007

Severe Winter Storms

$23K to the City of Coldwater for repairs

2007

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

Comanche County has had 19 natural disasters declared since 1953, most often severe storms and fires.

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