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DHazard risk
Natural hazards in Keystone · FEMA

FEMA expects more hazard damage per building in Keystone than in 92% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Keystone gets a D for hazard risk: higher expected damage per building than 92% of U.S. towns. Most of that expected damage is river and rain flooding (94%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 94%Hail 3%Tornadoes 1%

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

more than 92%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
D
in Colorado · higher than 92% of U.S. towns
Main hazard
River and rain flooding
94% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 3 declared for Summit County
By hazard

What Keystone 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

94%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Smaller shares here
 Hail Tornadoes Earthquakes Landslides top 1% Wildfire Winter storms Strong wind Ice storms Cold waves Lightning Avalanches top 0% Volcanic activity top 5%
FEMA models no building damage here
Coastal floodingHurricanesHeat wavesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts avalanches at 79% of Keystone’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.
Hazard risk grade

What’s behind Keystone’s grade

River and rain flooding is 94% of the building damage FEMA expects in Keystone, and Keystone’s rate of river and rain flooding damage is in the top 3% of U.S. census tracts.

Where Keystone sits
Keystone
Least damageMiddleMost damage

D higher expected damage per building than 92% of U.S. towns (21,298).

Keystone’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding94%Hail3%Everything else3%

In dollars, FEMA expects about $12.0M a year in losses across Keystone: $2.5M to buildings, the rest to people and crops.

A small-area figure. Keystone covers 2 census tracts, combined by where 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 Keystone flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Keystone. 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

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

Insurance rates: Summit County.
Disasters

The storms Keystone remembers

None of the 3 disasters declared for Summit County shows FEMA aid or repair money reaching Keystone itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in KeystoneSummit County only

Summit County has had 3 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.

Be ready

Get ready for what Keystone 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 ↗
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 Keystone

Is Keystone at risk for natural disasters?

On FEMA’s National Risk Index, Keystone has higher expected damage per building than 92% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (94%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Keystone 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 Summit County, 43% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.

How much is flood insurance in Keystone?

FEMA’s Community Rating System list shows no discount for Keystone’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Keystone at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (94%), and Keystone’s rate for it is in the top 3% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Keystone.

Town Square →
Start the conversation

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