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Craig, ColoradoPhoto: Jeffrey Beall · CC BY 3.0
C+Hazard risk
Natural hazards in Craig · FEMA

On FEMA’s figures, Craig faces more hazard damage per building than 61% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Craig gets a C+ for hazard risk: higher expected damage per building than 61% of U.S. towns, #92 of 159 in Colorado. Most of that expected damage is river and rain flooding (88%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 88%Wildfire 6%Earthquakes 5%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 61%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#92 of 159 in Colorado
Hazard risk
C+#92 of 159
in Colorado · higher than 61% of U.S. towns
Main hazard
River and rain flooding
88% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 3 declared for Moffat County
By hazard

What Craig 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

88%of expected building damage
Above average · higher than 78% of U.S. census tracts
Recorded about once every 2 years in the area

Wildfire

6%of expected building damage
Well above average · in the top 8% of U.S. census tracts

Earthquakes

5%of expected building damage
Above average · higher than 68% of U.S. census tracts
Smaller shares here
 Winter storms Strong wind Hail Tornadoes Ice storms Lightning Cold waves Landslides Volcanic activity
FEMA models no building damage here
Coastal floodingHurricanesHeat wavesAvalanchesTsunamis

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.
Hazard risk grade

What’s behind Craig’s grade

River and rain flooding is 88% of the building damage FEMA expects in Craig, and Craig’s rate of river and rain flooding damage is higher than 78% of U.S. census tracts. Wildfire adds 6%, at a rate in the top 8% of U.S. census tracts.

Where Craig sits
Craig
Least damageMiddleMost damage

C+ #92 of 159 in Colorado; higher expected damage per building than 61% of U.S. towns (21,298).

Craig’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding88%Wildfire6%Earthquakes5%Everything else1%

The typical Colorado town has higher expected damage than 56% of U.S. towns; within the state, Craig has more expected damage per building than 58% of Colorado towns.

In dollars, FEMA expects about $3.4M a year in losses across Craig: $2.9M to buildings, the rest to people and crops.

A small-area figure. Craig covers 3 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Craig flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Craig. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

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

Insurance rates: Moffat County.
Disasters

The storms Craig remembers

None of the 3 disasters declared for Moffat County shows FEMA aid or repair money reaching Craig itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in CraigMoffat County only

Moffat County has had 3 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.

Be ready

Get ready for what Craig 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 ↗
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 ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
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 Craig

Is Craig at risk for natural disasters?

On FEMA’s National Risk Index, Craig has higher expected damage per building than 61% of U.S. towns: C+ for hazard risk, #92 of 159 in Colorado. Most of the expected damage is river and rain flooding (88%) and wildfire (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Craig 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 Moffat County, 0.3% of all homes carry federal flood insurance.

How much is flood insurance in Craig?

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

Is Craig at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (88%), and Craig’s rate for it is higher than 78% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Craig.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Craig’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.