Is Larimer County, CO in a flood zone?
FEMA's National Risk Index puts Larimer County's flood hazard at the 89.4th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.1 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Larimer County's flood-insurance compliance gap
Out of 1,148 homes FEMA counts inside Larimer County's mapped flood zone, 205 carry the flood policy federal law requires there — 17.9% compliance, short of full coverage. Across all residential structures in Larimer County, not just the ones FEMA mandates, 0.6% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Larimer County compares nationally
Larimer County sits at rank 349 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 205 of 3144 by population (1 is biggest). Larimer County, Colorado is home to about 374,574 people across 2,595.745 square miles of land.
What to do next if you own or are buying in Larimer County
Across all of Larimer County's 132,354 residential structures, 794 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Larimer County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.