Gilpin County, CO: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Gilpin County scores at the 11.6th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 14 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
FEMA hasn't published a residential structure count for Gilpin County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 0.3% of all residential structures in Gilpin County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Gilpin County ranks
Among the 3144 US counties FEMA scores for flood hazard, Gilpin County ranks 2800 — 1 being the highest hazard nationally — and 2734 by population among all 3144 counties covered here, where 1 is the largest. About 5,963 people live in Gilpin County, Colorado, spread over 150.023 square miles.
What to do next if you own or are buying in Gilpin County
FEMA counts 3,391 residential structures in Gilpin County overall, 11 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Gilpin County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Gilpin County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.