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–Not graded
Natural hazards in Grand Junction · FEMA

Storms, floods and disasters in Grand Junction

Grand Junction isn’t graded for hazard risk: Grand Junction has 435 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
6
of 13 declared for Hardeman County
By hazard

What Grand Junction faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Earthquakes

46%of expected building damage
Well above average · higher than 87% of U.S. census tracts

River and rain flooding

38%of expected building damage
Below average · lower than 78% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

12%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about once every 13 years in the area
Smaller shares here
 Hurricanes Strong wind Wildfire Hail Ice storms Landslides top 4% Lightning Winter storms Cold waves Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 14% of Grand Junction’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Grand Junction flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Grand Junction. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Grand Junction isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Hardeman County.
What’s been done with FEMA grants
1storm safe room built
Disasters

6 federal disasters brought FEMA money to Grand Junction

Disasters that paid out in Grand Junction itself (aid to households or repair grants to the City of Grand Junction), newest first, with that year’s flood claims.

  1. 2026Severe Winter Storm293 households applied for aid$1.4M aid approved$251K to the City of Grand Junction for repairs
  2. 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding212 households applied for aid$895K aid approved$1.4M to the City of Grand Junction for repairs
  3. 2023Severe Storms, Straight-line Winds, and Tornadoes11 households applied for aid$38K aid approved
  4. 2021Severe Storms, Tornadoes, and Flooding$39K to the City of Grand Junction for repairs
  5. 2010Severe Storms, Flooding, Straight-line Winds, and Tornadoes31 households applied for aid$26K aid approved
  6. 2003Severe Storms, Tornadoes, and Flooding12 households applied for aid$9K aid approved
Disasters declared, by decade
Paid out in Grand JunctionHardeman County only

Hardeman County has had 13 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Grand Junction after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Grand Junction archive →
Be ready

Get ready for what Grand Junction faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Grand Junction

Is Grand Junction 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 Hardeman County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.0% of all homes do.

How much is flood insurance in Grand Junction?

FEMA’s Community Rating System list shows no discount for Grand Junction’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 Grand Junction?

By FEMA money that reached Grand Junction, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2025): 212 households applied for aid, $895K approved, and $1.4M to the City of Grand Junction for repairs.

Storm stories

Memories, warnings and help from neighbors in Grand Junction.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Grand Junction’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.