194 flood insurance claims·$5.5M paid·7 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Weld 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.
Flash flooding from summer thunderstorms dominates the flood profile of Weld County, supported by 42 recorded flash flood events compared to 29 general flood events over the last 30 years. Recent impacts are documented in NOAA storm reports, including severe thunderstorms on July 31, 2025, that produced heavy rainfall and caused dry creek beds to run several feet deep across roads, as well as storms on July 24, 2025, that brought minor flooding to the Greeley area.
NFIP insurance claim data demonstrates that properties situated in FEMA Zone A face the heaviest financial and physical risks, accounting for 127 claims with an average payout of $47,820 and an average recorded water depth of 10 inches. While lower in claim frequency, properties located in Zone X_SHADED recorded the highest financial severity with an average payout of $90,262 and an average recorded water depth of 2 inches. Homeowners and real estate agents managing properties in Zone A and shaded or unshaded Zone X areas should pay the closest attention to these localized flood risks.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
17% of Weld County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
153 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 8 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2013, with 104 claims and $5.1M paid, the year of Severe Storms, Flooding, Landslides, and Mudslides.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
28 NOAA storm reports from Weld County describe what happened, in the words of the forecasters who covered it. Read the Colorado flood stories →
16 federal disaster declarations since 1965, 7 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Flooding, Landslides, And Mudslides | Sep 11, 2013 |
| Severe Storms And Tornadoes | May 22, 2008 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Snow | Mar 17, 2003 |
| Wildfires | Apr 23, 2002 |
| Severe Winter Storms | Apr 11, 2001 |
| Flooding 4/30/99 | Apr 29, 1999 |
| Severe Storms, Heavy Rain, Flash Floods, Flooding, Mudslides | Jul 28, 1997 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
71 since 1996: 42 flash floods and 29 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 31, 2025 | — |
| Flood | Jul 24, 2025 | — |
| Flood | Aug 10, 2025 | — |
| Flood | May 28, 2024 | — |
| Flood | May 28, 2024 | $3.4M · 1 killed |
| Flash Flood | Jun 20, 2024 | — |
| Flood | Aug 12, 2024 | — |
| Flood | Jun 30, 2023 | — · 1 killed |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jul 31, 2025. Strong to severe thunderstorms slowly moved across Weld County producing heavy rainfall and large hail. A storm chaser shared photos of a dry creek bed full of water running several feet deep across a road.
Flood · Jul 24, 2025. Severe Thunderstorms moved across Weld, Morgan, and Adams County. Most reports were from the Greeley area where hail reached 1.25 inches and minor flooding was reported.
Flood · Aug 10, 2025. Strong to severe thunderstorms develop across northeast Colorado. Large hail was the main impact. A brief tornado form east of Denver over the open plains. No damage was reported with the tornado. Numerous photos and reports were passed along to the National Weather Service.
Flood · May 28, 2024. Strong to severe thunderstorms over the eastern plains during the early to mid evening hours. Storms built northwestward to the Greeley around where it dump hail and heavy rain causing flooding in parts of Greeley. The downtown area and northeast parts of Greeley experience the heaviest rainfall and worst flooding. There was one death that is possibly is storm related. ���It was unknown at the time, and rema…
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Weld 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.