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Evans, ColoradoPhoto: Jeffrey Beall · CC BY 3.0
B−Hazard risk
Natural hazards in Evans · FEMA

On FEMA’s figures, Evans faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Evans gets a B− for hazard risk: lower expected damage per building than 55% of U.S. towns, #57 of 159 in Colorado. Most of that expected damage is river and rain flooding (66%), then tornadoes (17%). Flood insurance has paid 3 claims here since 2013.

River and rain flooding 66%Tornadoes 17%Hail 13%

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

less than 55%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#57 of 159 in Colorado
Hazard risk
B−#57 of 159
in Colorado · lower than 55% of U.S. towns
Main hazard
River and rain flooding
66% of expected building damage
Flood claims
3
paid since 2013 · $395K
Disasters paid out here
2
of 12 declared for Weld County
By hazard

What Evans 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

66%of expected building damage
About average · lower than 52% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

17%of expected building damage
Well above average · in the top 7% of U.S. census tracts

Hail

13%of expected building damage
Well above average · in the top 7% of U.S. census tracts
Recorded about 7 times a year in the area
Smaller shares here
 Earthquakes Strong wind Winter storms Wildfire Cold waves Lightning Ice storms 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 cold waves at 21% of Evans’ expected losses. Cold waves do little damage to buildings (0.1%), 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.
Hazard risk grade

What’s behind Evans’ grade

River and rain flooding is 66% of the building damage FEMA expects in Evans, and Evans’ rate of river and rain flooding damage is lower than 52% of U.S. census tracts. Tornadoes add 17%, at a rate in the top 7% of U.S. census tracts.

Where Evans sits
Evans
Least damageMiddleMost damage

B− #57 of 159 in Colorado; lower expected damage per building than 55% of U.S. towns (21,298).

Evans’ residents live in 8 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding66%Tornadoes17%Hail13%Everything else4%

The typical Colorado town has higher expected damage than 56% of U.S. towns; within the state, Evans has less expected damage per building than 65% of Colorado towns.

In dollars, FEMA expects about $5.3M a year in losses across Evans: $3.2M to buildings, the rest to people and crops.

A firm figure. It combines 8 census tracts by where Evans’ 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 Evans flood? Rarely: 3 flood claims since 2013

Every paid claim on a federal flood insurance policy in Evans, from FEMA’s records: 0.4 per 1,000 homes, fewer than 92% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2013: 3 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 claims2013
20132026
Biggest named events
  • The Late summer storms3 claims · $395K
3
paid claims since 2013
$395K
paid to owners
0
homes flooded more than once
$132K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Weld County.
What’s been done with FEMA grants
3flood-prone properties bought out and cleared
Disasters

2 federal disasters brought FEMA money to Evans

Disasters that paid out in Evans itself (aid to households or repair grants to the City of Evans), newest first, with that year’s flood claims.

  1. 2013Severe Storms, Flooding, Landslides, and Mudslides616 households applied for aid$6.6M aid approved$7.3M to the City of Evans for repairs3 flood claims paid that year
  2. 1999Co-flooding 4/30/99$5K to the City of Evans for repairs
Disasters declared, by decade
Paid out in EvansWeld County only

Weld County has had 12 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.

Were you here?

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

Add to the Evans archive →
Next door

Evans and its neighbors

Evans is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Greeley: hazard risk BMilliken: hazard risk CGreeleyMillikenEvans
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
GreeleyBless damage than 63%river and rain flooding9
EvansB−less damage than 55%river and rain flooding3
MillikenCmore damage than 66%river and rain flooding3

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Evans 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 ↗
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 ↗
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 ↗
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 Evans

Is Evans at risk for natural disasters?

On FEMA’s National Risk Index, Evans has lower expected damage per building than 55% of U.S. towns: B− for hazard risk, #57 of 159 in Colorado. Most of the expected damage is river and rain flooding (66%) and tornadoes (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Evans flood?

Flood insurance has paid 3 claims in Evans since 2013, $395K in all, or 0.4 per 1,000 homes, fewer than 92% of U.S. towns with a flood insurance record. The most claims came from Late summer storms (3).

Is Evans 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 Weld County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Evans?

FEMA’s Community Rating System list shows no discount for Evans’ 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 Evans?

By FEMA money that reached Evans, Severe Storms, Flooding, Landslides, and Mudslides (2013): 616 households applied for aid, $6.6M approved, and $7.3M to the City of Evans for repairs. By flood claims, Late summer storms: 3 paid, $395K.

Is Evans at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (66%), and Evans’ rate for it is lower than 52% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Evans.

Town Square →
Start the conversation

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