Storms, floods and disasters in Lazy Acres
Lazy Acres isn’t graded for hazard risk: Lazy Acres has 778 residents; we grade towns of 1,000 or more. Flood insurance has paid 6 claims here since 2013.
What Lazy Acres faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Wildfire
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.
Does Lazy Acres flood? Rarely: 6 flood claims since 2013
Every paid claim on a federal flood insurance policy in Lazy Acres, from FEMA’s records.
- The Late summer storms6 claims · $433K
Lazy Acres isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Boulder County.The storms Lazy Acres remembers
None of the 8 disasters declared for Boulder County shows FEMA aid or repair money reaching Lazy Acres itself in FEMA’s records, so these are its biggest flood-claim years.
- 20136 flood claims paidThe year of Severe Storms, Flooding, Landslides, and Mudslides, declared for Boulder County
Boulder County has had 8 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 7 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Boulder County, 2000–2024.
Old photos of Lazy Acres after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lazy Acres archive →Lazy Acres and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Glendale | — | 69 residents; we grade 1,000+ | |
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 Lazy Acres faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Lazy Acres
Does Lazy Acres flood?
Flood insurance has paid 6 claims in Lazy Acres since 2013, $433K in all. The most claims came from Late summer storms (6).
Is Lazy Acres 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 Boulder County, 44% of homes in mapped flood zones carry federal flood insurance, and 2.3% of all homes do.
How much is flood insurance in Lazy Acres?
FEMA’s Community Rating System list shows no discount for Lazy Acres’ 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 Lazy Acres?
By flood claims, Late summer storms: 6 paid, $433K.
Storm stories
Memories, warnings and help from neighbors in Lazy Acres.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lazy Acres’ 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.