FEMA flood zones · Colorado

Washington County, Colorado Flood Zone Map

7 federal flood & hurricane disasters

Less than 1% of Washington 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 Washington 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 Washington County floods

Flash flooding from summer thunderstorms dominates the flood risk profile in Washington County, accounting for the vast majority of recorded flood events over the last 30 years with 24 flash flood events compared to 5 general flood events.

Recent history demonstrates the destructive impact of these severe weather patterns. On June 21, 2023, a long-duration severe weather event brought scores of tornadoes and heavy precipitation across Washington and Logan counties. Earlier, on June 15, 2015, a levee breach along the South Platte River inundated farmland across northeast Morgan and northwest Washington counties, resulting in the washout of Union Pacific railroad tracks that forced a multi-day closure for repairs.

Properties situated near rivers and agricultural areas along floodplains should pay the most attention to this localized flood hazard, particularly during heavy summer thunderstorm and severe weather periods.

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

In their words

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

Federal disasters

13 federal disaster declarations since 1965, 7 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Storms, Flooding, And TornadoesJun 8, 2023
Severe Storms, Tornadoes, Flooding, Landslides, And MudslidesMay 4, 2015
Severe Storms, Flooding, Landslides, And MudslidesSep 11, 2013
SnowDec 18, 2006
Hurricane Katrina EvacuationAug 29, 2005
WildfiresApr 23, 2002
Severe Winter StormsApr 11, 2001
Heavy Rains, Snowmelt And FloodingMay 23, 1973

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

Recorded flood events

29 since 1996: 24 flash floods and 5 river or area floods.

EventDateDamage
FloodJun 21, 2023$50,000
Flash FloodJun 21, 2023$10,000
Flash FloodJul 27, 2022$5,000
FloodJun 15, 2015$5.0M
Flash FloodJun 11, 2015$15,000
Flash FloodSep 29, 2014$100,000
Flash FloodSep 22, 2014$50,000
Flash FloodJul 19, 2013$10,000

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

From the storm reports

Flood · Jun 21, 2023. Long duration severe weather event across the northeast plains, and most of the Denver metropolitan area beginning during the early afternoon hours. Scores of tornadoes occurred across Washington and Logan counties. Several rounds of hail across the Denver metro, with ping pong ball sized hail in downtown, larger hail up to 2 inches in diameter at concert in Red Rocks Amphitheatre. In all, seven patrons were…

Flash Flood · Jun 21, 2023. Long duration severe weather event across the northeast plains, and most of the Denver metropolitan area beginning during the early afternoon hours. Scores of tornadoes occurred across Washington and Logan counties. Several rounds of hail across the Denver metro, with ping pong ball sized hail in downtown, larger hail up to 2 inches in diameter at concert in Red Rocks Amphitheatre. In all, seven patrons were…

Flash Flood · Jul 27, 2022. Severe thunderstorms produced damaging wind and hail, along with torrential rainfall across the I-25 Corridor and Northeast Plains. Areas hardest hit included: eastern Boulder, Douglas, eastern Larimer, Washington and Weld counties. Hail up to tennis ball size (2.5 inches), was observed near Black Hollow Reservoir east of Fort Collins. Elsewhere the hail ranged from quarter to golfball size. The hail damaged…

Flood · Jun 15, 2015. A levee breach along the South Platte River inundated farmland across northeast Morgan and northwest Washington Counties. The breach also washed out a Union Pacific railroad tracks with forced the closure of the railroad for several days until repair could be completed.

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 Washington County

If a building in Washington 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.