Storm risk in Larimer County, Colorado
FEMA's overall hazard score for Larimer County is 90.14 (Relatively Moderate), 311th of 3,144 counties. Hail scores 98.28 (Relatively High), strong wind 87.95 (Relatively High) and tornado 90.55 (Relatively High). Expected hail loss is $133 per $1 million of buildings a year; NOAA logged 201 hail reports in Larimer County from 2014 to June 2026.
FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.
- Larimer County, coloured by its FEMA rating
- all U.S. counties
- each county in the state
- U.S. median
- state median
Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.
How FEMA rates Larimer County
| Hazard | Rating | Score (0 to 100) | Rank in U.S. | Rank in CO |
|---|---|---|---|---|
| Overall | Relatively Moderate | 90.14 | 311 of 3,144 | 7 of 64 |
| Hail | Relatively High | 98.28 | 55 of 3,126 | 9 of 64 |
| Strong wind | Relatively High | 87.95 | 380 of 3,126 | 9 of 64 |
| Tornado | Relatively High | 90.55 | 298 of 3,126 | 9 of 64 |
Expected yearly loss, in dollars
| Hazard | This county, total a year | Per $1M of buildings | State median county | U.S. median county | Rank per $1M, U.S. | Rank per $1M, state |
|---|---|---|---|---|---|---|
| Hail | $9,548,552 | $133 | $86 | $22 | 370 of 3,126 | 20 of 64 |
| Strong wind | $314,372 | $4.37 | $8.18 | $20 | 2,672 of 3,121 | 39 of 64 |
| Tornado | $11,134,478 | $155 | $60 | $199 | 1,805 of 3,144 | 24 of 64 |
Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.
What stands out in Larimer County
- FEMA expects hail in Larimer County to cost $133 per $1 million of buildings a year: 5.94 times the U.S. median and 1.54 times the CO county median, ranked 370th of 3,126 counties nationally and 20th of 64 in Colorado.
- FEMA expects strong wind in Larimer County to cost $4.37 per $1 million of buildings a year: 0.21 times the U.S. median and 0.53 times the CO county median, ranked 2,672nd of 3,121 counties nationally and 39th of 64 in Colorado.
- FEMA expects tornado in Larimer County to cost $155 per $1 million of buildings a year: 0.78 times the U.S. median and 2.59 times the CO county median, ranked 1,805th of 3,144 counties nationally and 24th of 64 in Colorado.
- Applying FEMA's estimate to a $532,200 home, the average yearly loss in Larimer County is about $71 for hail and $2.32 for wind before any deductible; at the U.S. median county rates it would be $12 and $11.
- If the next years look like 2014 to 2025, a roof kept 20 years in Larimer County meets about 86.7 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
- Built in 1993, the median home in Larimer County is 33 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 62.5% of its 161,882 homes are at least 26 years old.
- March to June holds 107 of the 201 hail reports in Larimer County (53 percent); the quietest month is January, with 0 reports.
What hail and wind cost a home here in an average year
Enter a home value. The calculator applies Larimer County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.
Formula: home value × Larimer County yearly loss ÷ building value. Hail: $9,548,552 ÷ $71,961,502,676 = 0.0001327. Wind: $314,372 ÷ $71,961,502,676 = 0.0000044. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.
Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.
Larimer County in plain numbers
- Larimer County scores 90.14 in FEMA's overall hazard index (Relatively Moderate): 311th of 3,144 rated counties and 7th of 64 in Colorado.
- Hail scores 98.28 (Relatively High). FEMA expects $9,548,552 of hail damage to buildings in Larimer County a year, which is $133 per $1 million of buildings, 5.94 times the U.S. median.
- Strong wind scores 87.95 (Relatively High) with $314,372 of expected yearly building loss in Larimer County: $4.37 per $1 million of buildings, 0.21 times the U.S. median.
- Tornado scores 90.55 (Relatively High) and FEMA's expected yearly tornado loss is $11,134,478, counting everything exposed, or $155 per $1 million of buildings in Larimer County.
- FEMA's own event record for Larimer County averages 4.38 hail events and 0.88 strong-wind events a year.
- NOAA logged 201 hail reports in Larimer County between 2014 and June 2026, on 53 days with stones of 1 inch or more; the largest was 2.5 inches.
- In Larimer County, FEMA counts buildings worth 71.96 billion dollars and 358,792 residents.
- Social vulnerability is Very Low in Larimer County.
- Community resilience there is Relatively High, for 358,792 residents.
- 2 cities in Larimer County are covered on this site: Fort Collins, Loveland. 18 Census ZIP areas have more than half of their land in the county.
- Our guide range for a 2,000 sq ft asphalt roof in Fort Collins is $7,840 to $17,360.
- Larimer County ranks 25 of the 194 counties with a page here for hail loss per $1 million of buildings, 155 for wind and 127 for tornado.
- In Larimer County, June is the busiest month with 88 of the 201 reports (44 percent), against 0 reports in December.
- Larimer County's worst year was 2018, with 9 hail days at 1 inch or more and 38 reports. At the 2014 to 2025 pace that is 4.33 such days a year, one about every 2.8 months.
- The median home in Larimer County was built in 1993; 32.7% of its 161,882 housing units date from before 1980, 62.5% from before 2000 and 19.0% from 2010 on.
- Census puts the median home value in Larimer County at $532,200, and 64.3% of homes are lived in by their owners.
- 19,623 single-family building permits were issued in Larimer County from 2014 to 2025, about 121.2 per 1,000 homes, peaking in 2020.
- NOAA lists 2 tornado tracks in Larimer County since 2014; the strongest was an EF3 on June 4, 2015 near Berthoud, 0.87 miles long.
- The fastest gust in NOAA's records for Larimer County is 81 mph on May 22, 2014 at Red Feather Lakes.
- The nearest county with a page here is Boulder County, 39 miles from the centre of Larimer County; its hail score is 98.41.
- Across counties the median is one roofing firm for every 5,189 homes; Census counted 80 roofing contractor establishments in Larimer County in 2023, one for every 2,024 homes.
- FEMA has named Larimer County in 4 disaster declarations since 2014, the latest 776 days before its data end, and 0 of them were storm-type.
The hail record of Larimer County, year by year
NOAA logged 201 reports in Larimer County; hail of 1 inch or more fell on 53 days. That is 4.3 such days a year; the median county in NOAA’s file has 1.8.
- reports
- days with hail of 1 inch or more
- * 2026 runs to June only
Reports by calendar month, all years together. Peak: June, 88 reports.
The same numbers as a table (years with at least one report)
| Year | Reports | Days, 1 inch or more | Days, 1.75 inch or more | Largest stone | Damage reported |
|---|---|---|---|---|---|
| 2014 | 35 | 6 | 1 | 2.5 in | – |
| 2015 | 19 | 5 | 1 | 2 in | – |
| 2016 | 4 | 4 | 1 | 1.75 in | – |
| 2017 | 13 | 3 | 1 | 1.75 in | – |
| 2018 | 38 | 9 | 3 | 2.5 in | – |
| 2019 | 26 | 7 | 1 | 1.75 in | – |
| 2020 | 15 | 4 | 2 | 1.75 in | – |
| 2021 | 2 | 1 | 0 | 1 in | – |
| 2022 | 12 | 2 | 1 | 2 in | – |
| 2023 | 16 | 8 | 2 | 2 in | – |
| 2024 | 10 | 1 | 0 | 1.5 in | – |
| 2025 | 7 | 2 | 1 | 2.5 in | – |
| 2026 (to June) | 4 | 1 | 1 | 1.75 in | – |
Biggest hail days in Larimer County
| Date | Largest stone | Reports that day | Damage reported | Near |
|---|---|---|---|---|
| June 24, 2014 | 2.5 in | 21 | none recorded | Harmony |
| July 29, 2018 | 2.5 in | 9 | none recorded | Virginia Dale |
| June 17, 2025 | 2.5 in | 4 | none recorded | Wellington |
| July 27, 2022 | 2 in | 11 | none recorded | Wellington |
| June 19, 2018 | 2 in | 10 | none recorded | The Forks |
Where large hail was reported
FEMA scores the county as a whole. NOAA’s reports show where inside Larimer County the big stones fell.
Reported hail locations, Larimer County
- 1091 to 1.74 in
- 311.75 to 2.74 in, golf ball to tennis ball
- 02.75 in and up, baseball
Largest plotted stone: 2.5 in. Bigger dots are bigger stones.
168 reports of 1 inch or larger have coordinates; the map shows the 140 largest. Each dot is a reported location, not a storm path.
Sources: NOAA, Census county outlineWind and tornado records for Larimer County
Fastest gusts in Larimer County
| Date | Gust | Near |
|---|---|---|
| May 22, 2014 | 81 mph | Red Feather Lakes |
| June 23, 2016 | 81 mph | Wellington |
| July 4, 2023 | 74 mph | Glendevey |
| August 10, 2017 | 64 mph | Laporte |
Strongest tornado tracks in Larimer County
| Date | Scale | Length | Injured / killed | Near |
|---|---|---|---|---|
| June 4, 2015 | EF3 | 0.87 mi | 0 / 0 | Berthoud |
| May 18, 2018 | EF0 | 0.01 mi | 0 / 0 | Estes Park |
2 tornado tracks in all since 2014; the strongest 2 are listed.
How old the roofs are
Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Larimer County’s 2014 to 2025 pace of 4.33 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.
Bars: share of 161,882 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.
| Median year built | 1993 |
| Built before 1980 | 32.7% |
| Built before 2000 | 62.5% |
| Built since 2010 | 19.0% |
| Owner-occupied | 64.3% |
| Median home value | $532,200 |
| Single-family permits, 2014 to 2025 | 19,623 |
| Permits per 1,000 homes | 121.2 |
Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.
Roofers and past disasters in Larimer County
Roofing firms in Larimer County
| Roofing contractor establishments, 2023 | 80 |
| Change since 2016 | +38 (+90%) |
| Homes per roofing firm | 2,024 |
| Median across counties | 5,189 |
| Employees, 2023 | 326 |
Source for Larimer County: Census County Business Patterns, NAICS 238160. Full roofing-market page for Larimer County.
FEMA disaster declarations naming Larimer County since 2014
| Declarations naming Larimer County | 4 |
| Storm / flood / winter / fire | 0 / 0 / 0 / 4 |
| Median CO county | 1 |
| Rank among 23 CO counties | 3 |
| Days from the latest to the data cutoff | 776 |
Source for Larimer County: OpenFEMA, data to 2026-09-15.
Nearby counties
The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Larimer County's.
| County | Miles | Overall | Hail loss | Hail, times here | Wind loss | Wind, times here | NOAA hail reports |
|---|---|---|---|---|---|---|---|
| Boulder County, CO | 39 | Relatively Moderate | $132 | 0.99 | $11 | 2.60 | 146 |
| Weld County, CO | 66 | Relatively Moderate | $133 | 1.00 | $15 | 3.38 | 480 |
| Denver County, CO | 71 | Relatively High | $518 | 3.90 | $8.90 | 2.04 | 168 |
| Jefferson County, CO | 79 | Relatively High | $502 | 3.78 | $8.66 | 1.98 | 209 |
| Adams County, CO | 82 | Relatively Moderate | $471 | 3.55 | $9.12 | 2.09 | 170 |
| El Paso County, CO | 136 | Relatively Moderate | $136 | 1.02 | $8.99 | 2.06 | 869 |
More Colorado counties, nearest first
- Pueblo County 181 mi
Cities and ZIP areas in Larimer County
2 cities in this county are on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 18 such areas have more than half their land here.
| City | ZIP areas (share of land in the county) | Pages |
|---|---|---|
| Fort Collins | 80521 (100%), 80524 (76%), 80525 (100%), 80526 (100%), 80528 (100%) | Roofers |
| Loveland | 80537 (97%), 80538 (100%), 80546 (0%) | Roofers |
- Larimer County hail history, 2014 to 2026
- Hail history in Colorado
- Insurance claim deadlines in Colorado
Storm hit your roof in Larimer County? A free inspection tells you if there is damage. One local roofer answers, not five.
Start an inspection requestQuestions
How high is storm risk in Larimer County?
FEMA's National Risk Index gives Larimer County an overall score of 90.14 (Relatively Moderate), 311th of 3,144. Hail scores 98.28 (Relatively High), strong wind 87.95 (Relatively High) and tornado 90.55 (Relatively High).
In Larimer County, how many hail reports has NOAA logged?
A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 201 for Larimer County between 2014 and June 2026, on 53 days with hail of 1 inch or more; the largest stone was 2.5 inches.
What do hail and wind cost a home in Larimer County each year, on average?
Applying FEMA's county rates to its median home value of $532,200: FEMA's estimate is about $71 a year for hail and $2.32 for wind, before any deductible, against $12 and $11 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.
How does Larimer County compare with the rest of Colorado?
Per $1 million of buildings Larimer County loses $133 to hail a year, against $86 in the median county of the state. Among 64 rated counties it is 9th for hail, 9th for strong wind and 9th for tornado.
How old are the roofs in Larimer County?
The median home was built in 1993, 33 years ago, and 62.5% of the 161,882 housing units in Larimer County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.
What does expected annual loss mean?
It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.
Does a high rating mean my roof will be damaged?
No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.
Sources for Larimer County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Larimer County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Larimer County; Census County Business Patterns, roofing firms in Larimer County; OpenFEMA, declarations naming Larimer County. Planning-level information about Larimer County, not an inspection and not insurance advice.
This product uses the Federal Emergency Management Agency's National Risk Index dataset 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).