Photo: Jeffrey Beall · CC BY 4.0On FEMA’s figures, Florence faces more hazard damage per building than 95% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Florence gets a D− for hazard risk: higher expected damage per building than 95% of U.S. towns, #155 of 159 in Colorado. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 2 claims here since 1999.
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 Florence 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
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 Florence’s grade
River and rain flooding is 92% of the building damage FEMA expects in Florence, and Florence’s rate of river and rain flooding damage is in the top 2% of U.S. census tracts. Wildfire adds 4%, at a rate in the top 4% of U.S. census tracts.
D− #155 of 159 in Colorado; higher expected damage per building than 95% of U.S. towns (21,298).
Florence’s residents live in 2 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, Florence has more expected damage per building than 97% of Colorado towns.
In dollars, FEMA expects about $3.4M a year in losses across Florence: $2.5M to buildings, the rest to people and crops.
Does Florence flood? Rarely: 2 flood claims since 1999
Every paid claim on a federal flood insurance policy in Florence, from FEMA’s records: 1.2 per 1,000 homes, fewer than 73% of the 13,809 U.S. towns with a flood insurance record.
Florence isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Fremont County.1 federal disaster brought FEMA money to Florence
Disasters that paid out in Florence itself (aid to households or repair grants to the City of Florence), newest first, with that year’s flood claims.
- 2013Severe Storms, Flooding, Landslides, and Mudslides11 households applied for aid$8K aid approved
Fremont County has had 8 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.
Also 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Fremont County, 2002–2013.
Old photos of Florence after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Florence archive →Get ready for what Florence 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.
- 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 Florence
Is Florence at risk for natural disasters?
On FEMA’s National Risk Index, Florence has higher expected damage per building than 95% of U.S. towns: D− for hazard risk, #155 of 159 in Colorado. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Florence flood?
Flood insurance has paid 2 claims in Florence since 1999, $15K in all, or 1.2 per 1,000 homes, fewer than 73% of U.S. towns with a flood insurance record.
Is Florence 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 Fremont County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Florence?
FEMA’s Community Rating System list shows no discount for Florence’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 Florence?
By FEMA money that reached Florence, Severe Storms, Flooding, Landslides, and Mudslides (2013): 11 households applied for aid, $8K approved.
Is Florence at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Florence’s rate for it is in the top 2% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Florence.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Florence’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.