Summit County, CO: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Summit County scores at the 65.4th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. 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 28 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Summit County
Out of 151 homes FEMA counts inside Summit County's mapped flood zone, 65 carry the flood policy federal law requires there — 43.1% compliance, short of full coverage. Looking beyond the mandated zone, 0.9% of all residential structures in Summit County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Summit County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Summit County ranks 1138 — 1 being the highest hazard nationally — and 1417 by population among all 3144 counties covered here, where 1 is the largest. Summit County, Colorado is home to about 30,882 people across 608.328 square miles of land.
Your street may differ from Summit County's average
Across all of Summit County's 15,797 residential structures, 145 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Summit County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.