FEMA flood zones · Colorado

Hinsdale County, Colorado Flood Zone Map

1 flood insurance claims·$0 paid·4 federal flood & hurricane disasters

1% of Hinsdale 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 Hinsdale 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.

In their words

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

Federal disasters

8 federal disaster declarations since 1970, 4 of them floods, coastal storms or hurricanes.

DisasterBegan
Hurricane Katrina EvacuationAug 29, 2005
WildfiresApr 23, 2002
Severe Storms, Mudslides, Landslides & FloodingJul 27, 1984
DroughtJan 29, 1977
Flooding & LandslidesJul 6, 1973
Heavy Rains & FloodingSep 22, 1970

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

Recorded flood events

7 since 1996: 6 flash floods and 1 river or area floods.

EventDateDamage
Flash FloodAug 3, 2022$500
FloodJun 27, 2019— · 1 killed
Flash FloodJul 11, 2014—
Flash FloodJul 16, 2000$2,000
Flash FloodAug 5, 1999$2,000
Flash FloodAug 4, 1999$1,000
Flash FloodJul 17, 1996$30,000

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

From the storm reports

Flash Flood · Aug 3, 2022. Plenty of residual monsoon moisture remained over southwest Colorado which resulted in another day of showers and thunderstorms across the region. Storms were slow moving and produced heavy rain. Localized flash flooding occurred in Hinsdale County.

Flood · Jun 27, 2019. Accelerated snowmelt due to above normal temperatures produced high and fast flow on the Rio Grande River. One women died after being swept into the dangerous water conditions in Pole Creek.

Flash Flood · Jul 11, 2014. Heavy rainfall produced flash flooding in the Lake City area during the afternoon of the 11th.

Flash Flood · Jul 16, 2000. Heavy rains which fell for about 60 minutes resulted in rapid water runoff and numerous mud and rock slides off of Sunshine Mountain. There were 10 large debris slides along a three mile stretch of the Burrows Park/Cinnamon Pass Road. Each slide covered 50 to 60 yards of the road. Debris from three of the slides was 10 to 12 feet deep on the road, while the other debris deposits were 4 to 6 feet deep on the roa…

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 Hinsdale County

If a building in Hinsdale 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.