Garfield County, CO: risk-assessment baseline packet, release 2026-10

Summary

Plan status as of 2026-09-30: Approved, expires 2027-12-11. Plan: Garfield County, CO Hazard Mitigation Plan 2022 (FEMA plan 108405), approved 2022-12-12.

Since the plan was approved on 2022-12-12: no new hazard declaration and 314 NOAA Storm Events records; details under "What changed since your last plan".

Highest expected annual loss (FEMA National Risk Index, modeled total; see B1-a): Inland Flooding ($21,498,481 a year), Avalanche ($2,034,130) and Wildfire ($1,921,508).

The tables that follow are organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B (B1-a to B2-c); each heading says which item its tables support.

Terms used

EAL:: expected annual loss: FEMA's modeled average yearly loss from a hazard.
NRI:: FEMA's National Risk Index (version 1.20, December 2025).
NFIP:: National Flood Insurance Program.
RL, SRL:: repetitive loss and severe repetitive loss: flood-insured properties with repeated claims (definitions in B2-c).
FMA, HMGP:: Flood Mitigation Assistance and Hazard Mitigation Grant Program, FEMA mitigation grants.
PA:: FEMA Public Assistance: disaster aid to governments and some nonprofits.
Zone-level:: NOAA logged the event for a National Weather Service forecast zone, which may include parts of neighboring counties.
County-coded:: NOAA logged the event to this county.
FIPS:: the federal code for a place; 08045 is this area.
D0 to D4:: U.S. Drought Monitor categories, from abnormally dry (D0) to exceptional drought (D4).
F/EF, EFU:: Fujita and Enhanced Fujita tornado ratings; EFU is an unrated tornado.
kt, CONUS:: knots (1 kt is about 1.15 mph); the contiguous United States.
CFR:: Code of Federal Regulations.
A4-a, E1-a:: other items of FEMA's Local Mitigation Plan Review Tool (sources, and changes since the last plan).
Dollars:: nominal (as reported, labeled with the year), not adjusted for inflation.

Plan clock

Status:: Approved, expires 2027-12-11
Plan:: Garfield County, CO Hazard Mitigation Plan 2022 (FEMA plan 108405)
Approved:: 2022-12-12
Days to expiry:: 437

What changed since your last plan (approved 2022-12-12)

New federal declarations:: none
Storm Events records since approval:: 314 records (data through 2026-06-30)
Repetitive loss now:: FMA RL 0, SRL 0 (44 CFR 77.2); any definition: 0
Repeat-flood change:: this release sets the baseline count.

Sources: 1, 2, 4, 6 (numbered list at the end)

Plan status for every jurisdiction listed in this county

Source: 1

Jurisdiction	Type	Status	Plan	Approved	Expires	Days to expirynegative = days since expiry
Garfield County	County	Approved, expires 2027-12-11	Garfield County, CO Hazard Mitigation Plan 2022 (FEMA plan 108405)	2022-12-12	2027-12-11	437
Carbondale town	Town	Approved, expires 2027-12-11	Garfield County, CO Hazard Mitigation Plan 2022 (FEMA plan 108405)	2022-12-12	2027-12-11	437
Glenwood Springs city	City	Approved, expires 2027-12-11	Garfield County, CO Hazard Mitigation Plan 2022 (FEMA plan 108405)	2022-12-12	2027-12-11	437
New Castle town	Town	Approved, expires 2027-12-11	Garfield County, CO Hazard Mitigation Plan 2022 (FEMA plan 108405)	2022-12-12	2027-12-11	437
Parachute town	Town	Approved, expires 2027-12-11	Garfield County, CO Hazard Mitigation Plan 2022 (FEMA plan 108405)	2022-12-12	2027-12-11	437
Rifle city	City	Approved, expires 2027-12-11	Garfield County, CO Hazard Mitigation Plan 2022 (FEMA plan 108405)	2022-12-12	2027-12-11	437
Silt town	Town	Approved, expires 2027-12-11	Garfield County, CO Hazard Mitigation Plan 2022 (FEMA plan 108405)	2022-12-12	2027-12-11	437
Colorado River Fire Rescue	Fire/EMS District	Approved, expires 2027-12-11	Garfield County, CO Hazard Mitigation Plan 2022 (FEMA plan 108405)	2022-12-12	2027-12-11	437
Carbondale Rural Fire Protection	Fire/EMS District	Approved, expires 2027-12-11	Garfield County, CO Hazard Mitigation Plan 2022 (FEMA plan 108405)	2022-12-12	2027-12-11	437
Glenwood Springs Fire Protection	Fire/EMS District	Approved, expires 2027-12-11	Garfield County, CO Hazard Mitigation Plan 2022 (FEMA plan 108405)	2022-12-12	2027-12-11	437
Grand Valley Fire Protection	Fire/EMS District	Approved, expires 2027-12-11	Garfield County, CO Hazard Mitigation Plan 2022 (FEMA plan 108405)	2022-12-12	2027-12-11	437

State plan status and tribal plans in this state: see the state page.

Supports FEMA checklist item B1-a: hazard identification

Hazards NRI does not cover (local data needed)

dam failure (incl. upstream dams)
levee failure
flash flood as its own subtype
ice jams
debris flows
erosion (riverine and coastal)
land subsidence and sinkholes
expansive soils

The 18 National Risk Index hazards, ranked by expected annual loss (EAL)

Sources: 5, 6, 10

Rank by EAL	Hazard	NRI risk rating	EAL rating	EAL buildingsmodeled dollars per year	EAL agriculturemodeled dollars per year	Cost of expected deaths and injuriesFEMA's dollar value per year, not property damage	EAL total (see note)modeled dollars per year	Storm Events records, 1996 to 2026-06-30count	Why this hazard can be left outNRI Not Applicable, no declaration and no Storm Events record since 1996	Storm Events coverage note
1	Inland Flooding	Relatively Moderate	Relatively Moderate	$20,413,132	$3,010	$1,082,339	$21,498,481	62
2	Avalanche	Relatively High	Relatively Moderate	$1,367	n/a	$2,032,763	$2,034,130	59
3	Wildfire	Relatively Moderate	Relatively Moderate	$1,855,904	$130	$65,474	$1,921,508	130
4	Landslide	Relatively High	Relatively High	$257,644	n/a	$1,565,714	$1,823,358	63
5	Lightning	Relatively High	Relatively High	$7,873	n/a	$978,571	$986,445	4
6	Earthquake	Relatively Low	Relatively Low	$534,888	n/a	$90,739	$625,628			Storm Events does not record earthquakes.
7	Heat Wave	Very Low	Relatively Low	$3	$82	$234,014	$234,099	6
8	Cold Wave	Very Low	Relatively Low	$26	$66,799	$59,207	$126,033	167		Includes 155 Frost/Freeze records (outside NRI's Cold Wave definition; counted in this table and in B1-d, not in the B1-e descriptor).
9	Drought	Relatively Low	Relatively Low	n/a	$105,386	n/a	$105,386	161
10	Strong Wind	Very Low	Very Low	$20,361	$213	$65,061	$85,635	195		Includes 111 High Wind and 23 Strong Wind records (NOAA non-thunderstorm wind types, outside NRI's Strong Wind definition).
11	Tornado	Very Low	Very Low	$34,214	$547	$33,376	$68,137	0		No recorded events in Storm Events since 1996 (data through 2026-06-30).
12	Hail	Very Low	Very Low	$27,288	$1,732	$6,688	$35,708	19
13	Ice Storm	Very Low	Very Low	$12,684	n/a	$4,200	$16,885	1
14	Winter Weather	Very Low	Very Low	$891	$29	$8,982	$9,902	1,536
15	Volcanic Activity	Very Low	Very Low	$4	n/a	$15	$18	0		No recorded events in Storm Events since 1996 (data through 2026-06-30).
	Hurricane	Not Applicable	Not Applicable					4	NRI rates this Not Applicable, but 4 Storm Events records of this type exist since 1996; review before omitting.	Includes 2 Flood and 2 Thunderstorm Wind records whose NOAA event or episode narrative names a tropical cyclone (NOAA's type kept; each also counts under that type's hazard).

Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).

NRI risk rating combines expected annual loss with social vulnerability and community resilience; EAL rating rates expected annual loss alone. Both compare this county with all U.S. counties.

Local data needed: state and local volcanic activity records (Storm Events records this hazard only in part).

Not applicable to this county per NRI, with no federal declaration and no Storm Events record since 1996: coastal flooding and tsunami. That is the evidence for leaving them out of the plan.

The state hazard mitigation plan also lists hazards for this county; FEMA asks the plan to explain any hazard it leaves out.

Supports FEMA checklist item B1-b: hazard location

Affects the whole county (national data give no location within it): Cold Wave, Drought, Hail, Heat Wave, Ice Storm, Lightning, Strong Wind and Winter Weather.

Inland Flooding: The FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.

Hazards that vary within the county: highest-rated census tracts

Source: 5

Hazard	Highest-rated census tractsNRI risk rating, score 0 to 100
Avalanche	tract 9520.03 (Relatively Moderate, 90.9); tract 9521 (Relatively Moderate, 90.9); tract 9518.04 (Relatively Moderate, 90.0)
Earthquake	tract 9521 (Relatively Moderate, 77.8); tract 9520.04 (Relatively Low, 68.9); tract 9520.03 (Relatively Low, 66.7)
Hurricane	no tract has a National Risk Index rating for this hazard
Landslide	tract 9521 (Very High, 99.9); tract 9516 (Relatively High, 99.9); tract 9519.02 (Relatively High, 99.9)
Tornado	tract 9521 (Very Low, 27.4); tract 9519.02 (Very Low, 18.4); tract 9518.04 (Very Low, 14.5)
Volcanic Activity	tract 9518.02 (Very Low, 79.7); tract 9521 (Very Low, 76.3); tract 9519.02 (Very Low, 74.5)
Wildfire	tract 9521 (Relatively High, 98.6); tract 9520.03 (Relatively High, 97.6); tract 9519.02 (Relatively High, 97.3)

Up to 3 census tracts per hazard, highest National Risk Index rating first, then highest score; a tract number is the Census tract number (for example 9520.03 is Census Tract 9520.03). FEMA's Resilience Analysis and Planning Tool maps the National Risk Index for every tract: https://www.fema.gov/emergency-managers/practitioners/resilience-analysis-and-planning-tool

Supports FEMA checklist item B1-c: hazard extent

Extent: scale, observed range and worst recorded event per hazard

Sources: 6, 7, 11

Hazard	Scale	Recordscount and years	Observed range	Worst recorded event	Most damaging (when different)	How it applies to jurisdictions	Note
Avalanche	none (count and damage only)	59 records, 1998 to 2026 (59 zone-level)		Avalanche, 2017-01-10, $30,000 property; $0 crops (2017 dollars); NWS zone COZ010 (covers 3 county areas)		Countywide (zone-level records).
Cold/Wind Chill, Extreme Cold/Wind Chill	wind chill	12 records, 1999 to 2025 (12 zone-level)	1 day to 16 days (median 5 days); 4 with a recorded value	16 consecutive days, 2005-12-04 to 2005-12-19, zone-level	Cold/Wind Chill, 1999-04-16, property not reported; $8,800,000 crops (zone total, 1999 dollars; the zone covers 2 county areas)	Countywide (zone-level records).
Frost/Freeze (outside NRI's Cold Wave definition)	crop damage	155 records, 1996 to 2025 (155 zone-level)		Frost/Freeze, 2020-04-14, $30,000,000 crop damage (2020 dollars); NWS zone COZ006 (covers 2 county areas)		Countywide (zone-level records).
Drought	U.S. Drought Monitor scale (D0 to D4)	161 records, 2002 to 2026 (161 zone-level)	92 days to 1,219 days (median 397 days); 10 with a recorded value	1219 days (40 months), 2003-10-01 to 2007-01-31, a run of 40 consecutive Storm Events drought records, zone-level		Countywide (zone-level records).	Storm Events enters a drought at D2 or worse east of the Rockies and D3 or worse from the Rockies west (NWS Instruction 10-1605); NRI drought counts D3 and D4 only.
Earthquake	Modified Mercalli (local data)	0					Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hail	hail size (inches)	20 records, 1984 to 2023	0.75 in to 1.75 in (median 1 in); 20 with a recorded value	1.75 in hail, 1984-09-01	Hail, 2021-07-29, $15,000 property; $0 crops (2021 dollars)	Event records naming jurisdictions in the plan: Carbondale town (3 records), Glenwood Springs city (3 records), New Castle town (3 records), Rifle city (3 records), Silt town (3 records), Parachute town (1 record).
Excessive Heat, Heat	heat index (in event narratives)	6 records, 2021 to 2023 (6 zone-level)	1 day to 5 days (median 1 day); 5 with a recorded value	5 consecutive days, 2021-06-14 to 2021-06-18, zone-level		Countywide (zone-level records).
Hurricane, Tropical Storm, Tropical Depression	Saffir-Simpson	0					Storm Events files every zone of a storm's episode under the storm's type; flooding from the storm is filed as Flood or Flash Flood records.
Wind, rain, flood or surge records whose NOAA event or episode narrative names a tropical cyclone	damage	4 records, 2023 to 2024		Flood, 2023-08-24, $5,000 property; $0 crops (2023 dollars) (NOAA type Flood; narrative names Tropical Storm Harold)		Event records naming jurisdictions in the plan: Rifle city (2 records).	NOAA filed these records under the type shown, and each also counts under that type's hazard; the record's event or episode narrative names the storm, checked against NOAA's HURDAT2 storm list by name and dates. Some records name the storm only as context (for example a distant storm that fed moisture), so read the narrative before attributing a record to the storm.
Ice Storm	Sperry-Piltz ice scale (local data)	1 record, 2017 (1 zone-level)		No damage reported in 1 record.		Countywide (zone-level records).
Flash Flood, Flood, Lakeshore Flood	damage and flood days (flood depth: FIRM)	62 records, 1997 to 2023 (6 zone-level)		Flood, 2003-06-01, $3,240,000 property; crops not reported (2003 dollars); NWS zone COZ010 (covers 3 county areas)		Event records naming jurisdictions in the plan: Rifle city (14 records), Glenwood Springs city (13 records), Silt town (6 records), New Castle town (4 records), Parachute town (3 records), Carbondale town (2 records). Zone-level records (6) apply countywide.	Flood depth: see the FEMA Flood Insurance Rate Map. Storm Events damage is often $0 or blank for floods, major ones included; FEMA Public Assistance by declaration (B1-d) shows which floods cost the most.
Debris Flow	none (count and damage only)	63 records, 2003 to 2024 (29 zone-level)		Debris Flow, 2021-07-29, $125,000,000 property; $0 crops (2021 dollars)		Event records naming jurisdictions in the plan: Glenwood Springs city (6 records), Rifle city (2 records), Carbondale town (1 record), Silt town (1 record). Zone-level records (29) apply countywide.
Lightning	annualized frequency (the measure FEMA's Local Mitigation Planning Handbook names)	4 records, 1998 to 2004		Lightning, 2003-07-31, damage not reported, 2 direct deaths	Lightning, 2004-06-17, $60,000 property; crops not reported (2004 dollars)	Event records naming jurisdictions in the plan: Rifle city (2 records), Carbondale town (1 record), Parachute town (1 record).	Storm Events lists lightning with damage or casualties.
High Wind and Strong Wind (outside NRI's Strong Wind definition)	wind speed (kt and mph)	134 records, 1996 to 2026 (134 zone-level)	35 kt (40 mph) to 120 kt (138 mph) (median 55 kt (63 mph)); 133 with a recorded value	120 kt (138 mph), measurement type not recorded, High Wind, 1997-10-25; Storm Events area ELKHEAD AND PARK MOUNTAINS/FLAT TOPS/WHITE RIVER PLATEAU / E RIO BLANCO / NE GARFIELD / X NW EAGLE / ROUTT EXCEPT C XS (legacy zone code COZ004; covers 4 county areas)	High Wind, 2007-04-18, $100,000 property; $0 crops (zone total, 2007 dollars; the zone covers 2 county areas), 2 direct injuries (reported for the zone); same damage also recorded on 2021-05-22	Countywide (zone-level records).
Thunderstorm Wind	wind speed (kt and mph)	64 records, 1974 to 2025	50 kt (58 mph) to 100 kt (115 mph) (median 53 kt (61 mph)); 60 with a recorded value	100 kt (115 mph) estimated, Thunderstorm Wind, 2000-06-19	Thunderstorm Wind, 1996-06-26, $10,000 property; crops not reported (1996 dollars)	Event records naming jurisdictions in the plan: Glenwood Springs city (8 records), New Castle town (5 records), Rifle city (4 records), Silt town (2 records), Carbondale town (1 record), Parachute town (1 record).
Tornado	Enhanced Fujita (Fujita before Feb 2007)	0					Before 1996 a tornado is listed once, under the county where it began, with its whole path's rating and length; from 1996 on, each county lists its own segment. Length is not used to rank tornadoes (see Methods).
Volcanic Ash, Volcanic Ashfall	Volcanic Explosivity Index (local data)	0
Wildfire	acres burned (local data)	130 records, 1998 to 2025 (115 zone-level)		Wildfire, 2024-08-01, $0 property; $5,000,000 crops (2024 dollars); NWS zone COZ009 (covers 3 county areas)		Event records naming jurisdictions in the plan: Glenwood Springs city (5 records), Carbondale town (2 records), New Castle town (2 records), Parachute town (2 records), Silt town (2 records), Rifle city (1 record). Zone-level records (115) apply countywide.
Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleet	none in data (snowfall: local data)	1,536 records, 1996 to 2026 (1,536 zone-level)		Winter Storm, 2020-09-08, $30,000 property; $0 crops (2020 dollars); NWS zone COZ001 (covers 3 county areas)		Countywide (zone-level records).

In event narratives only (local data needed): wind chill, temperature, heat index, ice thickness, acres burned and snow depth; any physical measure of avalanche, debris flow, lightning and volcanic ash, volcanic ashfall.

Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records from zones that no NWS zone-county file places in this county (mostly before 2020) are not counted here (the Methods page explains the zone matching).

Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.

Supports FEMA checklist item B1-d: previous occurrences

Federal declarations for this county: 12 declarations covering 7 separate hazard incidents counted in this packet (declarations for the same incident count once; non-natural and evacuation-only declarations are not counted).

Federal disaster declarations for this county

Sources: 1, 2, 3

Declared	Incident began	FEMA number	Type	Title	Mapped hazard	County Public Assistancefederal share obligated, nominal dollars	Notes
2020-08-19	2020-08-19	FM-5335-CO	Fire management	Pine Gulch Fire	Wildfire	not in FEMA's PA summaries, which do not include Fire Management Assistance declarations
2020-08-19	2020-08-13	FM-5334-CO	Fire management	Grizzly Creek Fire	Wildfire	not in FEMA's PA summaries, which do not include Fire Management Assistance declarations
2020-03-28	2020-01-20	DR-4498-CO	Major disaster	COVID-19 Pandemic	Non-natural, not counted	no Public Assistance recorded
2020-03-13	2020-01-20	EM-3436-CO	Emergency	COVID-19	Non-natural, not counted	no Public Assistance recorded	same incident as DR-4498
2007-06-19	2007-06-19	FM-2698-CO	Fire management	Newcastle Fire	Wildfire	not in FEMA's PA summaries, which do not include Fire Management Assistance declarations
2006-09-01	2006-08-31	FM-2672-CO	Fire management	Red Apple Fire	Wildfire	not in FEMA's PA summaries, which do not include Fire Management Assistance declarations
2005-09-05	2005-08-29	EM-3224-CO	Emergency	Hurricane Katrina Evacuation	Hurricane: evacuation support, not a local hazard event; not counted	no Public Assistance recorded
2002-07-31	2002-07-31	FM-2457-CO	Fire management	Co - Panorama Fire - 07/31/02	Wildfire	not in FEMA's PA summaries, which do not include Fire Management Assistance declarations	same incident as DR-1421
2002-06-19	2002-04-23	DR-1421-CO	Major disaster	Wildfires	Wildfire	PA not declared for this county
2002-06-08	2002-06-08	FM-2419-CO	Fire management	Coal Seam Fire	Wildfire	not in FEMA's PA summaries, which do not include Fire Management Assistance declarations	same incident as DR-1421
1984-07-27	1984-07-27	DR-719-CO	Major disaster	Severe Storms, Mudslides, Landslides & Flooding	Inland Flooding (primary); also designated: Landslide	not available: FEMA's Public Assistance data start in 1998 (declarations from 1998-08-26 on)
1977-01-29	1977-01-29	EM-3025-CO	Emergency	Drought	Drought	not available: FEMA's Public Assistance data start in 1998 (declarations from 1998-08-26 on)

County Public Assistance: applicants the FEMA record places in this county, including any state agencies FEMA files there; statewide rows are listed on the state page; federal share obligated, nominal dollars.

Statewide declarations

Source: 2

Declared	Incident began	FEMA number	Type	Title	Mapped hazard
1956-06-12	1956-06-12	DR-59-CO	Major disaster	Flood	Inland Flooding
1955-05-25	1955-05-25	DR-33-CO	Major disaster	Flood	Inland Flooding

FEMA recorded these with designated area Statewide and no county, so they are listed on every county page in the state (where FEMA also gives the declaration a row for the county, it is shown once, in the county table) and not counted with county rows. Local data needed: whether each one affected this county.

10 Fire Management declarations (1978-09-12 to 2016-07-10) FEMA filed as Statewide with no county; each names one local fire. Listed on the state page.

Previous occurrences by hazard, with explicit no-event rows

Sources: 2, 6, 7

Hazard	Storm Events records, all years on file(years in the Period column)	Since plan approvalrecords	In the 12 months before plan approvalrecords	Last 5 yearsrecords	Declared incidents, all yearsseparate disasters	Period	Statement
Avalanche	59	3	0	3	0	1996 to 2026-06-30
Cold Wave	167	24	12	40	0	1996 to 2026-06-30	Includes 155 Frost/Freeze records.
Drought	161	19	3	25	1	1996 to 2026-06-30
Earthquake	0	0	0	0	0		Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hail	20	1	0	1	0	1955 to 2026-06-30
Heat Wave	6	1	2	3	0	1996 to 2026-06-30
Hurricane	4	4	0	4	0	1996 to 2026-06-30	Includes 2 Flood and 2 Thunderstorm Wind records whose NOAA event or episode narrative names a tropical cyclone (NOAA's type kept; each also counts under that type's hazard).
Ice Storm	1	0	0	0	0	1996 to 2026-06-30
Inland Flooding	62	5	0	5	1	1996 to 2026-06-30
Landslide	63	10	2	12	1	1996 to 2026-06-30
Lightning	4	0	0	0	0	1996 to 2026-06-30
Strong Wind	198	43	18	62	0	1955 to 2026-06-30	Includes 111 High Wind and 23 Strong Wind records.
Tornado	0	0	0	0	0	1950 to 2026-06-30	No recorded events, 1950 to 2026-06-30, NOAA NCEI Storm Events
Volcanic Activity	0	0	0	0	0	1996 to 2026-06-30	No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Wildfire	130	31	0	32	5	1996 to 2026-06-30
Winter Weather	1,536	177	56	239	0	1996 to 2026-06-30

Notable Storm Events records

Sources: 1, 6, 7

Date	Event type	Magnitude or extent	Damagenominal dollars	Deaths, injuriesdirect only	Location	Flags	Why listed
2024-08-01	Wildfire		$0 property; $5,000,000 crops (zone total, 2024 dollars)	0, 0	NWS zone COZ009 (GRAND AND BATTLEMENT MESAS), zone-level	new since last plan; within last 5 years	B1-c worst recorded: Wildfire
2021-07-29	Hail	1.5 in	$15,000 property; $0 crops (2021 dollars)	0, 0	28.92 miles NNW of ALLEN		B1-c most damaging: Hail
2021-07-29	Debris Flow		$125,000,000 property; $0 crops (2021 dollars)	0, 0	4.31 miles NW of SHOSHONE to 2.67 miles NW of SHOSHONE		B1-c worst recorded: Debris Flow
2021-06-14	Excessive Heat		$0 property; $0 crops (zone total, 2021 dollars)	0, 0	NWS zone COZ006 (GRAND VALLEY), zone-level		B1-c worst recorded: Excessive Heat, Heat
2020-04-14	Frost/Freeze		$0 property; $30,000,000 crops (zone total, 2020 dollars)	0, 0	NWS zone COZ006 (GRAND VALLEY), zone-level		B1-c worst recorded: Frost/Freeze
2020-02-15	Avalanche		$0 property; $0 crops (zone total, 2020 dollars)	2, 1	NWS zone COZ013 (FLATTOP MOUNTAINS), zone-level		deaths or injuries recorded
2017-01-10	Avalanche		$30,000 property; $0 crops (zone total, 2017 dollars)	0, 0	NWS zone COZ010 (GORE AND ELK MOUNTAINS/CENTRAL MOUNTAIN VALLEYS), zone-level		B1-c worst recorded: Avalanche
2007-04-18	High Wind	55 kt (63 mph) measured gust	$100,000 property; $0 crops (zone total, 2007 dollars)	0, 2	NWS zone COZ006 (GRAND VALLEY), zone-level		B1-c most damaging: High Wind and Strong Wind
2007-03-13	Avalanche		$1,000 property; $0 crops (zone total, 2007 dollars)	2, 0	NWS zone COZ010 (GORE AND ELK MOUNTAINS/CENTRAL MOUNTAIN VALLEYS), zone-level		deaths or injuries recorded
2005-12-04	Cold/Wind Chill		damage not reported	0, 0	NWS zone COZ008 (CENTRAL COLORADO RIVER BASIN), zone-level		B1-c worst recorded: Cold/Wind Chill, Extreme Cold/Wind Chill
2004-06-17	Lightning		$60,000 property; crops not reported (2004 dollars)	0, 0	7 miles NE of CARBONDALE		B1-c most damaging: Lightning
2003-10-01	Drought		damage not reported	0, 0	NWS zone COZ009 (GRAND AND BATTLEMENT MESAS), zone-level		B1-c worst recorded: Drought
2003-07-31	Lightning		damage not reported	2, 0	8 miles SSE of RIFLE		deaths or injuries recorded; B1-c worst recorded: Lightning
2003-06-01	Flood		$3,240,000 property; crops not reported (zone total, 2003 dollars)	0, 0	NWS zone COZ010 (GORE AND ELK MOUNTAINS/CENTRAL MOUNTAIN VALLEYS), zone-level		B1-c worst recorded: Flash Flood, Flood, Lakeshore Flood
1999-04-16	Cold/Wind Chill		property not reported; $8,800,000 crops (zone total, 1999 dollars)	0, 0	NWS zone COZ006 (GRAND VALLEY/GRAND JUNCTION AND VICINITY), zone-level		B1-c most damaging: Cold/Wind Chill, Extreme Cold/Wind Chill
1997-10-25	High Wind	120 kt (138 mph), measurement type not recorded	$50,000 property; crops not reported (zone total, 1997 dollars)	0, 0	Storm Events area ELKHEAD AND PARK MOUNTAINS/FLAT TOPS/WHITE RIVER PLATEAU / E RIO BLANCO / NE GARFIELD / X NW EAGLE / ROUTT EXCEPT C XS (legacy zone code COZ004), zone-level		B1-c worst recorded: High Wind and Strong Wind
1996-06-26	Thunderstorm Wind	speed not recorded	$10,000 property; crops not reported (1996 dollars)	0, 0	NEW CASTLE		B1-c most damaging: Thunderstorm Wind

The full list is in the Excel file, sheet "B1-d Storm Events history" (2,411 rows).

Location is the place NOAA recorded, as written in its data; it need not be a jurisdiction in this plan.

Local data needed: state-declared emergencies, from your state emergency management agency (federal data do not include them).

Tribal and special-area declarations in this state are listed on the state page.

Supports FEMA checklist item B1-e: probability of future events

Probability: FEMA annualized frequency and descriptor per hazard

Sources: 5, 6

Hazard	FEMA annualized frequency (modeled)unit per row	Unit	In plain terms	Descriptor	Descriptor basis	NRI events or days in its record period (hail, wind and tornado are area-weighted, so can be fractional)	NRI period	Location	Note
Avalanche	1.33	events per year	about 1.33 per year	Highly likely	FEMA annualized frequency (modeled)	40	1994 to 2023 (30 years)	see B1-f
Cold Wave	0.0487	event-days per year	about 0.0487 days per year	Likely	Storm Events event-days in 4 of 30 years, 1996 to 2025 (13.3%)	0.925	2005-11-12 to 2024-11-12 (19 years)	countywide
Drought	66.9	event-days per year	about 66.9 days per year	Likely	Storm Events event-days in 18 of 30 years, 1996 to 2025 (60%)	2,296	2000 to 2025 (25.25 years; D3 and D4 only)	countywide
Earthquake	0.00109	annual probability at a location	chance a given location in the county has at least minor-damage shaking in a year: 0.109%	Unlikely	FEMA annualized frequency (modeled), at a location in the county	not shown	modeled	see B1-f	Storm Events does not record earthquakes.
Hail	0.129	events per year	about 1 in 8 years	Likely	FEMA annualized frequency (modeled)	4.9 (modeled)	1986 to 2023 (38 years)	countywide
Heat Wave	0.0441	event-days per year	about 0.0441 days per year	Likely	Storm Events event-days in 3 of 30 years, 1996 to 2025 (10%)	0.708	2005-11-12 to 2024-11-12 (19 years)	countywide
Hurricane		events per year					1851 to 2024 (Atlantic)	see B1-f	Not Applicable in NRI for this county; no descriptor.
Ice Storm	0.0149	event-days per year	about 0.0149 days per year	Possible	Storm Events event-days in 1 of 30 years, 1996 to 2025 (3.33%)	0	1946-12-31 to 2014-02-12 (67 years)	countywide
Inland Flooding	1.68	event-days per year	about 1.68 days per year	Likely	Storm Events event-days in 19 of 30 years, 1996 to 2025 (63.3%)	47	1996 to 2023 (28 years)	see B1-f
Landslide	3.91	events per year (modeled)	about 3.91 per year	Highly likely	FEMA annualized frequency (modeled)	not shown	modeled	see B1-f
Lightning	55.8	days per year with a strike	about 55.8 days per year	Highly likely	FEMA annualized frequency (modeled)	not shown	1995 to 2023 (29 years; CONUS)	countywide
Strong Wind	0.285	events per year	about 1 in 4 years	Likely	FEMA annualized frequency (modeled)	11	1986 to 2023 (38 years)	countywide
Tornado	0.0812	events per year	about 1 in 12 years	Possible	FEMA annualized frequency (modeled)	not shown	1950 to 2023 (EF2+); 1986 to 2023 (EF0-1)	see B1-f
Volcanic Activity	0.0001	annual probability	about 1 in 10,000 years	Unlikely	FEMA annualized frequency (modeled)	not shown	modeled	see B1-f
Wildfire	0.00204	annual probability at a location	chance a given location in the county burns in a year: 0.204%	Likely	Storm Events records in 19 of 30 years, 1996 to 2025 (63.3%)	not shown	modeled	see B1-f
Winter Weather	35.3	event-days per year	about 35.3 days per year	Highly likely	Storm Events event-days in 30 of 30 years, 1996 to 2025 (100%)	671	2005-11-12 to 2024-11-12 (19 years)	countywide

FEMA annualized frequency (modeled) is the National Risk Index v1.20 (December 2025) estimate of how often a hazard affects this county in a year; it is not recorded events divided by years, and its unit differs by hazard (events, event-days, or days with a lightning strike per year). For earthquake, wildfire, coastal flooding and tsunami the value is the chance (or number of events) at a location in the county, not across the county, so no "1 in N years" is given and the descriptor comes from Storm Events where it has a record; otherwise (always for earthquake) the scale is applied to the chance at a location, and the county as a whole is at least as likely. The Methods page gives each hazard's method, from FEMA's National Risk Index Technical Documentation v1.20.

Descriptor scale used in this packet (defined per unit)

Sources: 5, 6

Unit	Descriptor	Definition
events per year	Highly likely	1 or more per year
events per year	Likely	about once in 1 to 10 years
events per year	Possible	about once in 10 to 100 years
events per year	Unlikely	less than once in 100 years
annual probability	Likely	10% to under 100% chance in a given year
annual probability	Possible	1% to under 10% chance in a given year
annual probability	Unlikely	under 1% chance in a given year
event-days (share of years)	Highly likely	event-days recorded in 90% or more of years
event-days (share of years)	Likely	event-days recorded in 10% to under 90% of years
event-days (share of years)	Possible	event-days recorded in some years but under 10% of years
lightning strike-days	Highly likely	cloud-to-ground strikes on 1 or more days per year

Intensity bands: historical frequency (Storm Events)

Source: 6

Hazard	Band	Years	Eventscounty-coded records	Years in period	Events per yearevents / years
Hail	1.00-1.99 in	1996 to 2025	10	30	0.333
Hail	2.00 in+	1996 to 2025	0	30	0
Thunderstorm Wind (counted as NRI Strong Wind)	50-64 kt	1996 to 2025	54	30	1.8
Thunderstorm Wind (counted as NRI Strong Wind)	65 kt+	1996 to 2025	5	30	0.167
Thunderstorm Wind (counted as NRI Strong Wind)	unmeasured or below 50 kt	1996 to 2025	2	30	0.0667
Tornado	EF0-1	1996 to 2025	0	30	0
Tornado	EF2-3	1996 to 2025	0	30	0
Tornado	EF4-5	1996 to 2025	0	30	0
Tornado	unrated (EFU)	1996 to 2025	0	30	0

The bands show how often events of each severity were recorded in this county, to profile how severe events have been (FEMA's probability item asks for the range of intensities).

Hail smaller than 1 inch is not counted: on 2010-01-05 the National Weather Service raised its severe-hail threshold from 3/4 inch to 1 inch, so smaller reports became less common after 2009 (NWS Service Change Notice 09-52). NRI hail frequency uses a 0.75 inch threshold.

Optional: future conditions. Not a required item in the 2025 FEMA Local Mitigation Planning Policy Guide; some states ask for it. The federal Climate Mapping for Resilience and Adaptation (CMRA) site gives county exposure to future climate conditions (https://resilience.climate.gov/).

Supports FEMA checklist item B1-f: hazards that vary across jurisdictions

Natural hazards by jurisdiction: federal-data draft

Sources: 1, 3, 4, 5, 6, 9

Draft from federal data for the planning team to confirm and trim: FEMA National Risk Index census tract ratings (NRI v1.20, December 2025) and Census 2020 blocks. A row covers every 2020 census tract that holds part of the jurisdiction's area in this county. X: at least one of those tracts has an NRI rating (Very Low to Very High) for the hazard. o: NRI "No Rating" (no expected loss modeled; not "cannot occur"). Blank: NRI Not Applicable or Insufficient Data in those tracts (not rated; also not "cannot occur"). Census tracts are coarse, so rows that share the same tracts are identical.

Jurisdiction	NRI hazard (X rated, o No Rating, blank Not Applicable or Insufficient Data)															Evidence from federal records
Jurisdiction	Avalanche	Cold Wave	Drought	Earthquake	Hail	Heat Wave	Ice Storm	Inland Flooding	Landslide	Lightning	Strong Wind	Tornado	Volcanic Activity	Wildfire	Winter Weather	Event records naming the placeall years	Public Assistancematched by name; nominal dollars	Repetitive-loss propertiesany definition
Garfield County (unincorporated area)	X	X	X	X	X	X	X	X	X	X	X	X	X	X	X	0		0
Carbondale Rural Fire Protection (row of Carbondale town)	X	X	X	X	X	o	X	X	X	X	X	X	X	X	X
Carbondale town	X	X	X	X	X	o	X	X	X	X	X	X	X	X	X	10		0
Glenwood Springs city	X	X	X	X	X	o	X	X	X	X	X	X	X	X	X	35		0
Glenwood Springs Fire Protection (row of Glenwood Springs city)	X	X	X	X	X	o	X	X	X	X	X	X	X	X	X
New Castle town	X	X	X	X	X	X	X	X	X	X	X	X	X	X	X	14		0
Parachute town	X	X	X	X	X	X	X	X	X	X	X	X	X	X	X	8		0
Rifle city	X	X	X	X	X	X	X	X	X	X	X	X	X	X	X	26		0
Silt town	X	X	X	X	X	X	X	X	X	X	X	X	X	X	X	14		0

Not shown: hazards NRI rates Not Applicable or Insufficient Data in every census tract of the county (Coastal Flooding, Hurricane, Tsunami).

Inland Flooding is X on every row because NRI rates inland flooding in every tract these rows touch; plans often mark only the jurisdictions with recurring flood problems or mapped flood zones.

District rows copy the row of the town or place their name contains; the team confirms the service area.

Not shown, as their name contains no town or place listed here: Colorado River Fire Rescue; Grand Valley Fire Protection. The team adds their rows.

Evidence columns repeat figures from the jurisdiction table of this section (event records naming the place, all years; Public Assistance matched by applicant name; repetitive-loss properties, any definition). District rows leave them blank.

Range of census tract risk within the county

Source: 5

Hazard	Tractsrated of all	NRI risk score, 0 to 100			Tracts by rating
Hazard	Tractsrated of all	Min	Median	Max	Tracts by rating
Avalanche	11 of 12	84.5	87.7	90.9	Relatively Moderate 11, Not Applicable 1
Cold Wave	11 of 12	15.4	24.0	50.4	Relatively Moderate 1, Relatively Low 5, Very Low 5, No Rating 1
Drought	11 of 12	73.7	88.0	91.7	Relatively Low 8, Very Low 3, No Rating 1
Earthquake	12 of 12	36.4	59.8	77.8	Relatively Moderate 1, Relatively Low 10, Very Low 1
Hail	12 of 12	24.1	32.9	54.7	Relatively Low 3, Very Low 9
Heat Wave	6 of 12	27.7	47.3	68.0	Relatively Moderate 2, Relatively Low 4, No Rating 6
Hurricane	0 of 12				Not Applicable 12
Ice Storm	12 of 12	9.5	17.7	39.3	Relatively Low 1, Very Low 11
Inland Flooding	12 of 12	60.0	92.7	99.3	Very High 2, Relatively High 7, Relatively Moderate 3
Landslide	12 of 12	87.3	98.7	99.9	Very High 1, Relatively High 5, Relatively Moderate 3, Relatively Low 3
Lightning	12 of 12	92.4	96.4	99.4	Very High 7, Relatively High 5
Strong Wind	12 of 12	18.3	26.5	52.5	Relatively Low 11, Very Low 1
Tornado	12 of 12	7.1	11.7	27.4	Very Low 12
Volcanic Activity	12 of 12	53.5	65.0	79.7	Very Low 12
Wildfire	12 of 12	77.6	94.3	98.6	Relatively High 4, Relatively Moderate 6, Relatively Low 2
Winter Weather	12 of 12	25.0	28.4	36.5	Relatively Low 12

Cold Wave: Agriculture is 53% of NRI's expected annual loss for this hazard in the county, so the tract range mostly reflects where crop and livestock value is.

Drought: Agriculture is all of NRI's expected annual loss for this hazard in the county, so the tract range mostly reflects where crop and livestock value is.

Rated tracts only: No Rating (score 0.0), Not Applicable and Insufficient Data tracts are counted but not used for the minimum, median and maximum.

The score ranks a tract against all U.S. tracts (100 = highest). The rating is FEMA's category for the tract's risk value, computed differently, so the two can disagree.

Frequency data for cold wave, drought, hail, heat wave, ice storm, lightning, strong wind and winter weather are county-wide or coarse (49 km grid or NWS zone), the same for every jurisdiction; the tract range mostly reflects where buildings and people are (crop and livestock value where a line above names agriculture).

Each jurisdiction (starting figures from federal data)

Sources: 1, 3, 4, 6

Jurisdiction	Type	Plan status	Repetitive lossFMA RL and SRL (44 CFR 77.2); repeat-flood, any definition	Public Assistance to this jurisdictionFEMA records matched by applicant name; federal share obligated, nominal dollars	Event records naming this placeall years; since its plan	Notes
Garfield County	County	Approved, expires 2027-12-11	FMA RL 0, SRL 0; any 0	no Public Assistance recorded	0 total; 0 since its plan
Carbondale town	Town	Approved, expires 2027-12-11	FMA RL 0, SRL 0; any 0	no Public Assistance recorded	10 total; 3 since its plan	8 of the 10 event records naming this place use it as NOAA's reference point for a location 0.25 to 7 miles away (NOAA's distance).
Glenwood Springs city	City	Approved, expires 2027-12-11	FMA RL 0, SRL 0; any 0	no Public Assistance recorded	35 total; 5 since its plan	31 of the 35 event records naming this place use it as NOAA's reference point for a location 0.87 to 37 miles away (NOAA's distance).
New Castle town	Town	Approved, expires 2027-12-11	FMA RL 0, SRL 0; any 0	no Public Assistance recorded	14 total; 0 since its plan	8 of the 14 event records naming this place use it as NOAA's reference point for a location 2.87 to 14 miles away (NOAA's distance).
Parachute town	Town	Approved, expires 2027-12-11	FMA RL 0, SRL 0; any 0	no Public Assistance recorded	8 total; 0 since its plan	8 of the 8 event records naming this place use it as NOAA's reference point for a location 2 to 26 miles away (NOAA's distance).
Rifle city	City	Approved, expires 2027-12-11	FMA RL 0, SRL 0; any 0	no Public Assistance recorded	26 total; 2 since its plan	19 of the 26 event records naming this place use it as NOAA's reference point for a location 0.31 to 15 miles away (NOAA's distance).
Silt town	Town	Approved, expires 2027-12-11	FMA RL 0, SRL 0; any 0	no Public Assistance recorded	14 total; 0 since its plan	12 of the 14 event records naming this place use it as NOAA's reference point for a location 0.69 to 13 miles away (NOAA's distance).

Repetitive-loss counts are for whole NFIP communities, which can extend beyond this county (see the note in B2-c).

School districts and special districts get a plan clock row only here; the hazards-by-jurisdiction table shows them with the row of their host town or place.

FEMA files applicants under varying names, so these rows may not include every payment to a jurisdiction. The county totals in B1-d count every applicant FEMA files under this county, whatever the name.

Supports FEMA checklist items B2-a and B2-b: vulnerability and potential impacts

Local data needed

The table below gives county-level starting figures; the plan describes impacts for each jurisdiction and its own assets.

Critical facilities and lifelines per hazard
A problem statement per jurisdiction per hazard
Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
Future assets

County-level starter: exposure, expected annual loss and damage since the plan

Sources: 1, 2, 3, 5, 6, 7

Hazard	Building exposuremodeled dollars	Agriculture exposuremodeled dollars	Population exposedpeople	EAL buildingsmodeled dollars per year	EAL agriculturemodeled dollars per year	Cost of expected deaths and injuriesFEMA's dollar value per year, not property damage	EAL as % of exposurebuildings; agriculture where noted	Storm Events damage since 2022-12-12county-coded records, property plus crops, nominal dollars	Zone-level damage since planproperty plus crops, reported for the zone	Note
Avalanche	$20,358,264	n/a	5	$1,367	n/a	$2,032,763	0.00671%		$0
Cold Wave	$7,607,565,731	$40,524,522	35,810	$26	$66,799	$59,207	under 0.0001%		$0
Drought	n/a	$9,084,146	n/a	n/a	$105,386	n/a	1.16% (agriculture)		$0	NRI has no building exposure for this hazard; agriculture shown
Earthquake	$24,575,389,299	n/a	61,685	$534,888	n/a	$90,739	0.00218%
Hail	$14,074,008,087	$46,175,463	61,566	$27,288	$1,732	$6,688	0.000194%	$0
Heat Wave	$6,865,773,031	$34,392,218	34,218	$3	$82	$234,014	under 0.0001%		$0
Hurricane								$5,000		Not Applicable in NRI for this county
Ice Storm	$14,074,008,087	n/a	61,566	$12,684	n/a	$4,200	under 0.0001%
Inland Flooding	$14,054,078,033	$1,134,283	1,476	$20,413,132	$3,010	$1,082,339	n/a (see note)	$5,500		NRI counts the full building value of any census block with some flood loss; this is not the value of buildings in the floodplain. Use local FIRM overlays for B2-a/B2-b.
Landslide	$847,895,356	n/a	3,027	$257,644	n/a	$1,565,714	0.0304%	$84,500
Lightning	$14,074,008,087	n/a	61,566	$7,873	n/a	$978,571	under 0.0001%
Strong Wind	$14,074,008,087	$46,175,463	61,566	$20,361	$213	$65,061	0.000145%	$0	$37,000	Storm Events damage since the plan includes 1 zone-level High Wind record ($37,000): a NOAA non-thunderstorm wind type, outside NRI's Strong Wind definition.
Tornado	$14,074,008,087	$46,175,463	61,566	$34,214	$547	$33,376	0.000243%
Volcanic Activity	$14,074,008,087	n/a	61,566	$4	n/a	$15	under 0.0001%
Wildfire	$3,467,252,630	$19,175,427	15,985	$1,855,904	$130	$65,474	0.0535%		$31,046,000
Winter Weather	$14,074,008,087	$46,175,463	61,566	$891	$29	$8,982	under 0.0001%		$0

Totals since 2022-12-12 (Storm Events through 2026-06-30): 26 county-coded records, 26 with a damage value recorded (including $0), $90,000; 288 zone-level records, 287 with a damage value recorded (including $0), $31,083,000 reported for the zone; Public Assistance: no counted declaration since the plan.

FEMA does not split Public Assistance by hazard. A declaration mapped to several hazards is listed under each of them with its full amount, so the per-hazard column does not add up to the total; the unit total counts each declaration once.

NRI computes earthquake exposure on its own basis, so it exceeds the county building value in B2-a.

Supports FEMA checklist item B2-a: vulnerability (county context)

County context

Source: 5

Measure	Value
Population	61,566
Building value (total, not at risk)	$14,074,008,087
Agriculture value (total, not at risk)	$46,175,463
NRI risk rating (all hazards)	Relatively Low
Expected annual loss, buildings and agriculture, all hazards	$23,344,207
Expected annual loss, population equivalence, all hazards (NRI values each statistical life at $13.7M; a modeled value of expected deaths and injuries, not property damage)	$6,227,144
Social vulnerability rating	Very Low
Community resilience rating	Very Low
NRI version	December 2025

FEMA's all-hazard expected annual loss adds buildings, agriculture and population equivalence; this table gives the property part and the population-equivalence part as separate rows.

Social vulnerability: higher means people are more likely to be harmed and slower to recover. Community resilience: lower means the community is less able to recover. High social vulnerability and low resilience both raise the NRI risk rating.

Supports FEMA checklist item B2-c: repetitive loss properties

Repetitive loss in this county, both definitions

Sources: 1, 4

Definition	Properties	Severe repetitive loss	Properties
Repetitive loss, FMA definition (44 CFR 77.2)	0	Severe repetitive loss, FMA definition (44 CFR 77.2)	0
Repetitive loss, NFIP insurance definition	0	Severe repetitive loss, NFIP insurance definition	0

The state NFIP coordinator's list, the source FEMA's Handbook names, often uses the NFIP insurance definition (second row).

Repeat-flood properties: county and state-level rows

Sources: 1, 4

Scope	RL, FMAproperties	SRL, FMAproperties	RL, NFIPproperties	SRL, NFIPproperties	Any categoryproperties	Mitigatedproperties	Currently insuredproperties
County total	0	0	0	0	0	0	0
Statewide, no county in FEMA's file	0	0	8	0	8	0	0

The statewide row counts properties FEMA's file gives with no county in this state; they are listed for reference and are not in this county's counts.

Repeat-flood properties by jurisdiction in the plan (NFIP community)

Sources: 1, 4

Jurisdiction	NFIP community ID	RL, FMAproperties	SRL, FMAproperties	RL, NFIPproperties	SRL, NFIPproperties	Any categoryproperties	Mitigatedproperties	Currently insuredproperties
Garfield County	080205	0	0	0	0	0	0	0
Carbondale town	080234	0	0	0	0	0	0	0
Glenwood Springs city	080071	0	0	0	0	0	0	0
New Castle town	080256	0	0	0	0	0	0	0
Parachute town	080215	0	0	0	0	0	0	0
Rifle city	085078	0	0	0	0	0	0	0
Silt town	080223	0	0	0	0	0	0	0

Counts by occupancy group for each jurisdiction are in the Excel file, sheet "B2-c Jurisdictions".

Jurisdiction rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each jurisdiction row, while the county table counts only its part in this county.

County repeat-flood properties by occupancy group: 0 in every occupancy group.

Sources: 1, 4

FMA RL and FMA SRL are the Flood Mitigation Assistance definitions (44 CFR 77.2), the ones the FEMA Local Mitigation Planning Policy Guide cites. NFIP repetitive loss (the FEMA insurance definition) is 2 or more claims over $1,000 in 10 years, and a property can leave that group once it is mitigated. Also shown: NFIP severe repetitive loss, any category, mitigated and currently insured. The Methods page gives the OpenFEMA field details.

Counts are aggregates of FEMA's public NFIP Multiple Loss Properties file (FEMA's data date 2026-08-02; file version 2026-08-04). No property is identified. County assignment is FEMA's geocode.

In this county 0 properties are FMA repetitive loss but not NFIP repetitive loss, and 0 properties are NFIP repetitive loss but not FMA repetitive loss.

Exact counts; no count suppression.

Sources

Tables cite these sources by number. The full list, for the plan's bibliography (FEMA review item A4-a):

FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-29T134039Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)
FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-29T162832Z, pulled 2026-09-30, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)
FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-29T150754Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)
FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)
FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-30, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)
NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-30, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/
NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-30, https://www.weather.gov/gis/ZoneCounty
U.S. Census Bureau, Census 2024 Gazetteer, 2020 place by county, CT county-to-cousub crosswalk, version 2024-gazetteer, pulled 2026-09-30, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_counties_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_cousubs_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_place_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_unsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_elsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_scsd_national.zip, https://www2.census.gov/geo/docs/reference/codes2020/national_place_by_county2020.txt, https://www2.census.gov/geo/docs/reference/ct_change/ct_cou_to_cousub_crosswalk.xlsx (used to match place names and codes; no table prints its values)
U.S. Census Bureau, Census 2020 Block Assignment Files (county subdivision and place), version baf2020, pulled 2026-10-02, https://www2.census.gov/geo/docs/maps-data/data/baf2020/, https://www2.census.gov/programs-surveys/decennial/2020/data/01-Redistricting_File--PL_94-171/
U.S. Census Bureau, Census county adjacency file, 2024 vintage, version 2024, pulled 2026-10-03, https://www2.census.gov/geo/docs/reference/county_adjacency/county_adjacency2024.txt
NOAA National Hurricane Center, NHC HURDAT2 best-track data (Atlantic 1851 to 2025; Northeast and North Central Pacific 1949 to 2025), version 2025-092326, pulled 2026-10-03, https://www.nhc.noaa.gov/data/hurdat/hurdat2-1851-2025-092326.txt, https://www.nhc.noaa.gov/data/hurdat/hurdat2-nepac-1949-2025-092926.txt

What this packet is and what the plan adds

This packet is the federal data for the plan's risk assessment (the summary on page 1 says how it is organized); the plan and FEMA's review decide whether each item is met.

The plan adds what only the community has: local data on assets, critical facilities, development and each jurisdiction's impacts; local hazard history, including state-declared emergencies; the mitigation strategy; and adoption.

How the federal data are built: National Risk Index values are FEMA's model, not counts of events. Storm Events is more complete from 1996; zone-level records are placed by forecast zone, not by location in the county. Public Assistance for a jurisdiction is matched by applicant name. The Methods page gives every rule and the known edge cases.

OpenFEMA disclaimer

This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Reuse, citation and corrections

Reuse and citation: Hazard Plain text and tables are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0, https://creativecommons.org/licenses/by/4.0/); credit Hazard Plain and the release. The underlying federal data are public domain; OpenFEMA data are also subject to the OpenFEMA terms and conditions.

Cite this: Hazard Plain (2026). Garfield County, CO: risk-assessment baseline packet, release 2026-10 (data as of 2026-09-30; County FIPS 08045). Automated baseline. https://hazardplain.org/co/08045/ Built from FEMA OpenFEMA, the FEMA National Risk Index and NOAA NCEI Storm Events; source versions in the packet's Sources list.

Corrections: to report an error, name the packet, the table and what your records show. Contact: contact@hazardplain.org