FEMA flood zones · Colorado

Bent County, Colorado Flood Zone Map

1 federal flood & hurricane disasters

Less than 1% of Bent County’s area is in FEMA’s high-risk flood zones.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Bent County, Colorado. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

How Bent County floods

Flash flooding from summer thunderstorms dominates the flood risk profile for Bent County, with 12 flash flood events compared to 4 general flood events recorded over the last 30 years in the NOAA Storm Events Database.

Severe weather patterns frequently drive these conditions across the region. For example, numerous strong, slow-moving storms caused flash flooding across Bent and neighboring counties on July 29, 2014. More recently, late afternoon thunderstorm activity moving east-southeast across the Colorado plains triggered numerous flash flooding events on August 6, 2022.

Property owners, residents, and real estate professionals in Bent County should pay the closest attention to areas susceptible to rapid storm runoff, localized high water accumulation, and intense seasonal convective weather.

Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.

In their words

1 NOAA storm reports from Bent County describe what happened, in the words of the forecasters who covered it. Read the Colorado flood stories →

Federal disasters

9 federal disaster declarations since 1965, 1 of them floods, coastal storms or hurricanes.

DisasterBegan
SnowDec 28, 2006
Hurricane Katrina EvacuationAug 29, 2005
WildfiresApr 23, 2002
Severe Winter StormsApr 11, 2001
Flooding 4/30/99Apr 29, 1999
DroughtJan 29, 1977
Tornadoes, Severe Storms & FloodingJun 19, 1965

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

16 since 1996: 12 flash floods and 4 river or area floods.

EventDateDamage
Flash FloodJul 5, 2023—
Flash FloodAug 6, 2022—
Flash FloodJul 28, 2017—
Flash FloodJul 1, 2016—
Flash FloodJul 29, 2014—
FloodJul 18, 2014—
FloodJul 15, 2014—
FloodJul 13, 2014—

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Flash Flood · Jul 5, 2023. Residual moisture from an incredibly anomalously wet June continues to moisten the lower levels aiding in ample amounts of instability. The northwest flow pattern created a lot of shear, which led to prolonged 3 day severe weather event over adjacent and eastern plains of southern Colorado.

Flash Flood · Aug 6, 2022. Late afternoon thunderstorm activity pushed off the Palmer Divide moving east-southeast across the Colorado plains. Numerous flash flooding events, severe thunderstorm winds and some damage were reported across the region.

Flash Flood · Jul 28, 2017. A few severe storms produced flash flooding and damaging wind gusts.

Flash Flood · Jul 1, 2016. Strong to severe storms produced hail up to half dollar size and flash flooding across the I-25 corridor and southeast plains.

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Bent County

If a building in Bent County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.