Larimer County
Colorado — Natural Disaster Risk Assessment
MediumComposite Risk Score
National percentile: 90th
Larimer County faces medium composite natural disaster risk (NRI Risk Index score 90.1, 90th national percentile), driven primarily by lightning and hail exposure. Expected annual loss across all 18 hazard types is $127M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Lightning | Very High | 56.90 / yr | $7M |
| Hail | High | 4.38 / yr | $11M |
| Winter Weather | Very High | 22.30 / yr | $2M |
| Wildfire | High | 0.00 / yr | $15M |
| Landslide | Medium | 1.14 / yr | $491K |
| Cold Wave | High | 0.56 / yr | $16M |
| Avalanche | High | 0.20 / yr | $3M |
| Tornado | High | 1.30 / yr | $11M |
| Riverine Flood | Medium | 2.07 / yr | $54M |
| Strong Wind | High | 0.88 / yr | $3M |
| Earthquake | Low | 0.00 / yr | $3M |
| Volcanic Activity | Very Low | 0.00 / yr | $69 |
| Heat Wave | Low | 0.18 / yr | $817K |
| Ice Storm | Low | 0.02 / yr | $132K |
| Drought | Low | 18.06 / yr | $182K |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Hurricane | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Larimer County?
Larimer County has a composite FEMA National Risk Index score of 90.1 out of 100, placing it in the Medium category and the 90th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Larimer County?
The three highest-rated hazards are Lightning (Very High, $7M EAL), Hail (High, $11M EAL), Winter Weather (Very High, $2M EAL). These account for most of the county's expected annual losses.
How does Larimer County compare to other Colorado counties?
Larimer County ranks #7 of 64 Colorado counties for overall natural disaster risk, with a medium rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Larimer County's $127M EAL is a statistical average, not a guarantee for any specific year or address.