Photo: Magicpiano · CC BY-SA 4.0Storms, floods and disasters in Hermosa
Hermosa isn’t graded for hazard risk: Hermosa has 353 residents; we grade towns of 1,000 or more. Flood insurance has paid 9 claims here since 2007.
What Hermosa 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 Hermosa flood? Rarely: 9 flood claims since 2007
Every paid claim on a federal flood insurance policy in Hermosa, from FEMA’s records.
Hermosa isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Custer County.1 federal disaster brought FEMA money to Hermosa
Disasters that paid out in Hermosa itself (aid to households or repair grants to the Town of Hermosa), newest first, with that year’s flood claims.
- 6 households applied for aid$640 aid approved
Custer County has had 8 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 6 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Custer County, 2000–2026.
Old photos of Hermosa after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hermosa archive →Get ready for what Hermosa 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 Hermosa
Does Hermosa flood?
Flood insurance has paid 9 claims in Hermosa since 2007, $126K in all.
Is Hermosa 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 Custer County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Hermosa?
FEMA’s Community Rating System list shows no discount for Hermosa’s 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 Hermosa?
By FEMA money that reached Hermosa, (): 6 households applied for aid, $640 approved.
Storm stories
Memories, warnings and help from neighbors in Hermosa.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hermosa’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.