Photo: Jeffrey Beall · CC BY 3.0Storms, floods and disasters in Eldorado Springs
Eldorado Springs isn’t graded for hazard risk: Eldorado Springs has 320 residents; we grade towns of 1,000 or more.
What Eldorado Springs 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
Wildfire
Hail
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.
Does Eldorado Springs flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Eldorado Springs. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Eldorado Springs isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Boulder County.1 federal disaster brought FEMA money to Eldorado Springs
Disasters that paid out in Eldorado Springs itself (aid to households or repair grants to Eldorado Springs), newest first, with that year’s flood claims.
- 2013Severe Storms, Flooding, Landslides, and Mudslides40 households applied for aid$65K aid approved
Boulder County has had 8 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 7 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Boulder County, 2000–2024.
Old photos of Eldorado Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Eldorado Springs archive →Get ready for what Eldorado Springs faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Eldorado Springs
Is Eldorado Springs 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 Boulder County, 44% of homes in mapped flood zones carry federal flood insurance, and 2.3% of all homes do.
How much is flood insurance in Eldorado Springs?
FEMA’s Community Rating System list shows no discount for Eldorado Springs’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Eldorado Springs?
By FEMA money that reached Eldorado Springs, Severe Storms, Flooding, Landslides, and Mudslides (2013): 40 households applied for aid, $65K approved.
Storm stories
Memories, warnings and help from neighbors in Eldorado Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eldorado Springs’ 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.