Rio Grande Southern Railroad, Motor No. 2 · Photo: Russell Lee · Public domainFEMA puts Fairmount’s expected hazard damage per building above that of 69% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Fairmount gets a C for hazard risk: higher expected damage per building than 69% of U.S. towns, #108 of 159 in Colorado. Most of that expected damage is river and rain flooding (50%), then hail (35%). Flood insurance has paid 1 claim here since 1983.
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
What Fairmount 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
Hail
Tornadoes
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.
What’s behind Fairmount’s grade
River and rain flooding is 50% of the building damage FEMA expects in Fairmount, and Fairmount’s rate of river and rain flooding damage is lower than 51% of U.S. census tracts. Hail adds 35%, at a rate in the top 1% of U.S. census tracts.
C #108 of 159 in Colorado; higher expected damage per building than 69% of U.S. towns (21,298).
Fairmount’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.
The typical Colorado town has higher expected damage than 56% of U.S. towns; within the state, Fairmount has more expected damage per building than 68% of Colorado towns.
In dollars, FEMA expects about $4.6M a year in losses across Fairmount: $4.0M to buildings, the rest to people and crops.
Does Fairmount flood? Rarely: 1 flood claim since 1983
Every paid claim on a federal flood insurance policy in Fairmount, from FEMA’s records: 0.3 per 1,000 homes, fewer than 96% of the 13,809 U.S. towns with a flood insurance record.
Fairmount isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.The storms Fairmount remembers
None of the 7 disasters declared for Jefferson County shows FEMA aid or repair money reaching Fairmount itself in FEMA’s records, so these are its biggest flood-claim years.
- 19831 flood claims paidNo declaration for the county that year
Jefferson County has had 7 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Jefferson County, 2000–2024.
Old photos of Fairmount after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fairmount archive →Fairmount and its neighbors
Fairmount is 3rd of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Golden | C+more damage than 64% | river and rain flooding | 5 |
| Arvada | Cmore damage than 66% | river and rain flooding | 30 |
| Fairmount | Cmore damage than 69% | river and rain flooding | 1 |
| Applewood | C−more damage than 77% | river and rain flooding | 5 |
| Wheat Ridge | Dmore damage than 87% | river and rain flooding | 27 |
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.
Get ready for what Fairmount 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.
- 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.
- 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.
- 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 Fairmount
Is Fairmount at risk for natural disasters?
On FEMA’s National Risk Index, Fairmount has higher expected damage per building than 69% of U.S. towns: C for hazard risk, #108 of 159 in Colorado. Most of the expected damage is river and rain flooding (50%) and hail (35%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Fairmount flood?
Flood insurance has paid 1 claim in Fairmount since 1983, $5K in all, or 0.3 per 1,000 homes, fewer than 96% of U.S. towns with a flood insurance record.
Is Fairmount 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 Jefferson County, 41% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Fairmount?
FEMA’s Community Rating System list shows no discount for Fairmount’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Fairmount at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (50%), and Fairmount’s rate for it is lower than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fairmount.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fairmount’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.