Photo: Billy Hathorn · CC BY-SA 3.0More hazard damage per building is expected in Fraser than in 71% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fraser gets a C for hazard risk: higher expected damage per building than 71% of U.S. towns. Most of that expected damage is river and rain flooding (78%). FEMA’s files show no paid flood insurance claims here.
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 Fraser 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 Fraser’s grade
River and rain flooding is 78% of the building damage FEMA expects in Fraser, and Fraser’s rate of river and rain flooding damage is higher than 79% of U.S. census tracts. Hail adds 9%, at a rate in the top 6% of U.S. census tracts.
C higher expected damage per building than 71% of U.S. towns (21,298).
Fraser’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $4.9M a year in losses across Fraser: $1.3M to buildings, the rest to people and crops.
Does Fraser flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Fraser. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Fraser isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Grand County.1 federal disaster brought FEMA money to Fraser
Disasters that paid out in Fraser itself (aid to households or repair grants to the Town of Fraser), newest first, with that year’s flood claims.
- 2003Snow$6K to the Town of Fraser for repairs
Grand County has had 4 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Grand County, 2020–2020.
Old photos of Fraser after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fraser archive →Fraser and its neighbors
Fraser is 2nd of the 2 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 |
|---|---|---|---|
| Winter Park | Cmore damage than 71% | river and rain flooding | 1 |
| Fraser | Cmore damage than 71% | river and rain flooding | 0 |
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 Fraser 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 Fraser
Is Fraser at risk for natural disasters?
On FEMA’s National Risk Index, Fraser has higher expected damage per building than 71% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (78%) and hail (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Fraser 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 Grand County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Fraser?
FEMA’s Community Rating System list shows no discount for Fraser’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 Fraser?
By FEMA money that reached Fraser, Snow (2003): $6K to the Town of Fraser for repairs.
Is Fraser at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Fraser’s rate for it is higher than 79% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fraser.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fraser’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.