Photo: Jeffrey Beall · CC BY 4.0More hazard damage per building is expected in Orchard City than in 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Orchard City gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns, #133 of 159 in Colorado. Most of that expected damage is river and rain flooding (84%), then wildfire (12%). 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 Orchard City 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
Wildfire
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 Orchard City’s grade
River and rain flooding is 84% of the building damage FEMA expects in Orchard City, and Orchard City’s rate of river and rain flooding damage is higher than 90% of U.S. census tracts. Wildfire adds 12%, at a rate in the top 3% of U.S. census tracts.
C− #133 of 159 in Colorado; higher expected damage per building than 84% of U.S. towns (21,298).
All of Orchard City’s residents live in one census tract; the figures are that tract’s.
The typical Colorado town has higher expected damage than 56% of U.S. towns; within the state, Orchard City has more expected damage per building than 84% of Colorado towns.
In dollars, FEMA expects about $1.5M a year in losses across Orchard City: $1.1M to buildings, the rest to people and crops.
Does Orchard City flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Orchard City. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Orchard City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Delta County.The storms Orchard City remembers
None of the 5 disasters declared for Delta County shows FEMA aid or repair money reaching Orchard City itself in FEMA’s records, so these are its biggest flood-claim years.
Delta 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Delta County, 2004–2004.
Get ready for what Orchard City 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.
- 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.
- 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 Orchard City
Is Orchard City at risk for natural disasters?
On FEMA’s National Risk Index, Orchard City has higher expected damage per building than 84% of U.S. towns: C− for hazard risk, #133 of 159 in Colorado. Most of the expected damage is river and rain flooding (84%) and wildfire (12%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Orchard City 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 Delta County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Orchard City?
FEMA’s Community Rating System list shows no discount for Orchard City’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Orchard City at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Orchard City’s rate for it is higher than 90% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Orchard City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Orchard City’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.