For hail, Twin Lakes’s building-damage rate is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Twin Lakes gets a B for hazard risk: lower expected damage per building than 57% of U.S. towns, #55 of 159 in Colorado. Most of that expected damage is hail (50%), then river and rain flooding (37%). 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 Twin Lakes faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hail
River and rain flooding
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 Twin Lakes’ grade
Hail is 50% of the building damage FEMA expects in Twin Lakes, and Twin Lakes’ rate of hail damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 37% (lower than 85% of U.S. census tracts).
B #55 of 159 in Colorado; lower expected damage per building than 57% of U.S. towns (21,298).
Twin Lakes’ residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Colorado town has higher expected damage than 56% of U.S. towns; within the state, Twin Lakes has less expected damage per building than 66% of Colorado towns.
In dollars, FEMA expects about $2.6M a year in losses across Twin Lakes: $2.0M to buildings, the rest to people and crops.
Does Twin Lakes flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Twin Lakes. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Twin Lakes isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Adams County.The storms Twin Lakes remembers
None of the 8 disasters declared for Adams County shows FEMA aid or repair money reaching Twin Lakes itself in FEMA’s records, so these are its biggest flood-claim years.
Adams County has had 8 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Twin Lakes and its neighbors
Twin Lakes is 3rd of the 5 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 |
|---|---|---|---|
| Westminster | B+less damage than 65% | hail | 24 |
| Sherrelwood | Bless damage than 60% | hail | 2 |
| Twin Lakes | Bless damage than 57% | hail | 0 |
| Welby | B−less damage than 51% | hail | 2 |
| Berkley | C+more damage than 60% | river and rain flooding | 23 |
| North Washington | — | 294 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 Twin Lakes faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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 Twin Lakes
Is Twin Lakes at risk for natural disasters?
On FEMA’s National Risk Index, Twin Lakes has lower expected damage per building than 57% of U.S. towns: B for hazard risk, #55 of 159 in Colorado. Most of the expected damage is hail (50%) and river and rain flooding (37%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Twin Lakes 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 Adams County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Twin Lakes?
FEMA’s Community Rating System list shows no discount for Twin Lakes’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Twin Lakes at risk from hail?
It is the largest share of the building damage FEMA expects here (50%), and Twin Lakes’ rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Twin Lakes.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Twin Lakes’ 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.