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–Not graded
Natural hazards in Fairplay · FEMA

Storms, floods and disasters in Fairplay

Fairplay isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Fairplay yet.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 5 declared for Park County
By hazard

What Fairplay 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

75%of expected building damage
Below average · lower than 76% of U.S. census tracts
Recorded about once every 3 years in the area

Hail

14%of expected building damage
Well above average · higher than 90% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Earthquakes Tornadoes Wildfire Strong wind Winter storms Ice storms Landslides Lightning Cold waves Volcanic activity
FEMA models no building damage here
Coastal floodingHurricanesHeat wavesAvalanchesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts avalanches at 13% of Fairplay’s expected losses. Avalanches do little damage to buildings (0.0%), 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 Fairplay flood? No paid flood claims on record

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

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Park County.
Disasters

2 federal disasters brought FEMA money to Fairplay

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

  1. 2015Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides$443K to the Town of Fairplay for repairs
  2. 2003Snow$1K to the Town of Fairplay for repairs
Disasters declared, by decade
Paid out in FairplayPark County only

Park County has had 5 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 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Park County, 2000–2008.

Were you here?

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

Add to the Fairplay archive →
Be ready

Get ready for what Fairplay 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 ↗
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 Fairplay

Is Fairplay 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 Park County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.

How much is flood insurance in Fairplay?

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

By FEMA money that reached Fairplay, Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides (2015): $443K to the Town of Fairplay for repairs.

Storm stories

Memories, warnings and help from neighbors in Fairplay.

Town Square →
Start the conversation

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