Natural hazards · Denver

Denver, MI natural hazards

Most of the natural-hazard damage FEMA expects in Denver comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2017.

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

Expected damage

How exposed is Denver?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Denver to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding61%Cold waves13%Tornadoes12%Strong wind6%Everything else8%

By hazard

What Denver faces

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

Inland flooding

61% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 2 years in the area

Cold waves

13% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

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

Recorded about once every 33 years in the area

Strong wind

6% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Denver flood?

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

2paid claims since 2017

$14Kpaid to owners

0homes flooded more than once

20172026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Isabella County.

Disasters that hit Denver

Federal disasters declared here

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

Brought FEMA money into DenverDeclared for Isabella County only

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

Around Denver

Denver and the towns around it

Very lowLowModerateHighVery high

Denvermostly inland floodingModerate

Wisemostly inland floodingModerate

Chippewamostly inland floodingLow

Isabellamostly inland floodingLow

Genevamostly 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. Denver covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Denver’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Denver. 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 Denver total about $1.8M 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.