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Boone Santa Fe Railroad DepotPhoto: Jeffrey Beall · CC BY-SA 3.0
–Not graded
Natural hazards in Boone · FEMA

Storms, floods and disasters in Boone

Boone isn’t graded for hazard risk: Boone has 262 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1993.

Flood claims
1
paid since 1993 · $26K
Disasters paid out here
0
of 11 declared for Pueblo County
By hazard

What Boone faces

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

River and rain flooding

57%of expected building damage
Below average · lower than 80% of U.S. census tracts
Recorded about 3 times a year in the area

Hail

22%of expected building damage
Well above average · in the top 5% of U.S. census tracts
Recorded about 5 times a year in the area

Wildfire

10%of expected building damage
Well above average · in the top 6% of U.S. census tracts

Tornadoes

6%of expected building damage
About average · higher than 54% of U.S. census tracts
Recorded about once every 4 years in the area
Smaller shares here
 Earthquakes Strong wind Winter storms Ice storms Cold waves Lightning Heat waves Landslides Volcanic activity
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts hail at 37% of Boone’s expected losses. Hail does little damage to buildings (21.5%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

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 Boone flood? Rarely: 1 flood claim since 1993

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

Paid flood claims, by year
1993: 1 claim1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims1993
19932026
1
paid claims since 1993
$26K
paid to owners
0
homes flooded more than once
$26K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Boone isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Pueblo County.
Disasters

The storms Boone remembers

None of the 11 disasters declared for Pueblo County shows FEMA aid or repair money reaching Boone itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 19931 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in BoonePueblo County only

Pueblo County has had 11 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 5 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Pueblo County, 2005–2026.

Were you here?

Old photos of Boone after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Boone archive →
Be ready

Get ready for what Boone faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
Wildfire
  • Clear dead leaves and brush within 5 feet of the house.
  • Sign up for local alerts and know two ways out.
  • Keep N95 masks for smoky days.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Boone

Does Boone flood?

Flood insurance has paid 1 claim in Boone since 1993, $26K in all.

Is Boone in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Pueblo County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.

How much is flood insurance in Boone?

FEMA’s Community Rating System list shows no discount for Boone’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Storm stories

Memories, warnings and help from neighbors in Boone.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Boone’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.