Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Colorado
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Colorado ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Mesa County | $538 | Relatively Low | $349,400 |
| 2 | Broomfield County | $553 | Very Low | $631,600 |
| 3 | Denver County | $674 | Relatively High | $586,700 |
| 4 | Arapahoe County | $676 | Relatively Moderate | $526,000 |
| 5 | Adams County | $708 | Relatively Moderate | $458,400 |
| 6 | Pueblo County | $714 | Relatively Moderate | $271,800 |
| 7 | El Paso County | $751 | Relatively Moderate | $431,000 |
| 8 | Douglas County | $834 | Relatively Moderate | $674,000 |
| 9 | Larimer County | $835 | Relatively Moderate | $532,200 |
| 10 | Weld County | $872 | Relatively Moderate | $444,500 |
| 11 | Montrose County | $889 | Relatively Low | $357,900 |
| 12 | Boulder County | $927 | Relatively Moderate | $713,900 |
| 13 | Jefferson County | $964 | Relatively High | $604,400 |
| 14 | Las Animas County | $1,021 | Very Low | $214,500 |
| 15 | Delta County | $1,113 | Relatively Low | $318,000 |
| 16 | Montezuma County | $1,132 | Relatively Low | $308,100 |
| 17 | Alamosa County | $1,206 | Very Low | $218,800 |
| 18 | Costilla County | $1,228 | Very Low | $171,300 |
| 19 | Fremont County | $1,267 | Relatively Low | $282,100 |
| 20 | Garfield County | $1,282 | Relatively Low | $490,600 |
| 21 | Park County | $1,292 | Very Low | $489,300 |
| 22 | Moffat County | $1,324 | Very Low | $262,500 |
| 23 | Archuleta County | $1,403 | Very Low | $451,400 |
| 24 | Gilpin County | $1,464 | Very Low | $512,600 |
| 25 | Lake County | $1,485 | Very Low | $401,300 |
| 26 | Teller County | $1,495 | Very Low | $445,000 |
| 27 | Routt County | $1,525 | Very Low | $756,200 |
| 28 | Saguache County | $1,547 | Very Low | $200,000 |
| 29 | Otero County | $1,557 | Relatively Low | $160,700 |
| 30 | Custer County | $1,662 | Very Low | $358,800 |
| 31 | Conejos County | $1,683 | Very Low | $162,100 |
| 32 | Crowley County | $1,695 | Very Low | $106,700 |
| 33 | La Plata County | $1,703 | Relatively Low | $549,100 |
| 34 | Elbert County | $1,722 | Very Low | $664,600 |
| 35 | Rio Grande County | $1,759 | Relatively Low | $215,400 |
| 36 | Morgan County | $1,836 | Relatively Low | $299,300 |
| 37 | Huerfano County | $1,983 | Very Low | $256,700 |
| 38 | Washington County | $2,101 | Very Low | $218,300 |
| 39 | Chaffee County | $2,172 | Relatively Low | $598,500 |
| 40 | Bent County | $2,194 | Very Low | $137,900 |
| 41 | Logan County | $2,213 | Relatively Low | $228,100 |
| 42 | Prowers County | $2,246 | Relatively Low | $150,900 |
| 43 | Eagle County | $2,319 | Relatively Low | $814,700 |
| 44 | Lincoln County | $2,329 | Very Low | $232,100 |
| 45 | Summit County | $2,392 | Relatively Low | $850,700 |
| 46 | San Miguel County | $2,507 | Very Low | $613,100 |
| 47 | Gunnison County | $2,692 | Relatively Low | $597,200 |
| 48 | Pitkin County | $2,919 | Relatively Low | $1,131,200 |
| 49 | Baca County | $2,959 | Very Low | $122,000 |
| 50 | Grand County | $3,137 | Relatively Low | $507,200 |
| 51 | Kit Carson County | $3,552 | Very Low | $221,400 |
| 52 | Dolores County | $3,587 | Very Low | $231,900 |
| 53 | Sedgwick County | $3,693 | Very Low | $142,700 |
| 54 | Ouray County | $3,708 | Very Low | $670,100 |
| 55 | Phillips County | $3,721 | Very Low | $255,300 |
| 56 | Hinsdale County | $3,891 | Very Low | $438,800 |
| 57 | Yuma County | $3,929 | Very Low | $215,600 |
| 58 | Cheyenne County | $3,943 | Very Low | $187,100 |
| 59 | Rio Blanco County | $4,231 | Very Low | $243,400 |
| 60 | Clear Creek County | $4,583 | Relatively Low | $572,800 |
| 61 | Kiowa County | $5,770 | Very Low | $148,600 |
| 62 | Jackson County | $7,758 | Very Low | $250,000 |
| 63 | Mineral County | $10,497 | Very Low | $413,000 |
| 64 | San Juan County | $19,181 | Very Low | $406,900 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Colorado