Photo: formulanone · CC BY-SA 2.0More hazard damage per building is expected in Pagosa Springs than in 89% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Pagosa Springs gets a D for hazard risk: higher expected damage per building than 89% of U.S. towns. Most of that expected damage is river and rain flooding (72%), then wildfire (26%). Flood insurance has paid 2 claims here since 2025.
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 Pagosa Springs 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 Pagosa Springs’ grade
River and rain flooding is 72% of the building damage FEMA expects in Pagosa Springs, and Pagosa Springs’ rate of river and rain flooding damage is in the top 10% of U.S. census tracts. Wildfire adds 26%, at a rate in the top 2% of U.S. census tracts.
D higher expected damage per building than 89% of U.S. towns (21,298).
Pagosa Springs’ residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.5M a year in losses across Pagosa Springs: $1.4M to buildings, the rest to people and crops.
Does Pagosa Springs flood? Rarely: 2 flood claims since 2025
Every paid claim on a federal flood insurance policy in Pagosa Springs, from FEMA’s records: 1.7 per 1,000 homes, fewer than 65% of the 13,809 U.S. towns with a flood insurance record.
Pagosa Springs isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Archuleta County.The storms Pagosa Springs remembers
None of the 4 disasters declared for Archuleta County shows FEMA aid or repair money reaching Pagosa Springs itself in FEMA’s records, so these are its biggest flood-claim years.
- 20252 flood claims paidNo declaration for the county that year
Archuleta County has had 4 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Archuleta County, 2025–2025.
Old photos of Pagosa Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pagosa Springs archive →Get ready for what Pagosa Springs 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 Pagosa Springs
Is Pagosa Springs at risk for natural disasters?
On FEMA’s National Risk Index, Pagosa Springs has higher expected damage per building than 89% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (72%) and wildfire (26%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Pagosa Springs flood?
Flood insurance has paid 2 claims in Pagosa Springs since 2025, $110K in all, or 1.7 per 1,000 homes, fewer than 65% of U.S. towns with a flood insurance record.
Is Pagosa Springs 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 Archuleta County, 28% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Pagosa Springs?
FEMA’s Community Rating System list shows no discount for Pagosa Springs’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Pagosa Springs at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Pagosa Springs’ rate for it is in the top 10% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pagosa Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pagosa Springs’ 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.