Risk Index · Denver County · 2026-06-13
Denver, CO real-estate risk
- Risk score
- 95.2/100
- Relatively High
- Expected annual loss
- $222M
- all hazards, county-wide
- Buildings-only loss
- $189M
- what owners and insurers carry
- Population
- 715K
- Denver County
Denver, CO (Denver County) carries a FEMA National Risk Index score of 95.2/100, rated "Relatively High" and driven mainly by hail and tornado, with roughly $222M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Hail99.9
- Tornado97.9
- Strong wind96.1
- Riverine flood95.3
- Earthquake91
- Heat wave71.5
- Wildfire60.6
- Drought21.4
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Denver risk questions
Is Denver, CO a high-risk area for real estate?
Denver scores 95.2/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $222M per year.
What is the biggest natural hazard in Denver?
The highest-rated hazard is hail (99.9/100), followed by tornado (97.9/100).
How does hazard risk affect property insurance in Denver?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.