Commerce City, Colorado: natural disaster risk
How exposed Commerce City is to floods, storms and other hazards, from FEMA and NOAA records for Adams County.
Commerce City is a city of 66,445 people in Adams County, Colorado. FEMA's National Risk Index rates Adams County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are hail, inland flooding and cold wave, with about $131 million in expected losses a year across the county. The weather service has logged 882 storm reports in the county since 1953, including 192 tornadoes and 26 floods. About 0.2% of homes in the county carry federal flood insurance.
Risk figures are for Adams County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Commerce City
Full Adams County report ›- Ask about the roof age and any impact-rated shingles.
- Check your home policy for a separate wind and hail deductible.
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Hail | $44M | |
| Inland flooding | $39M | |
| Cold wave | $21M | |
| Tornado | $13M | |
| Earthquake | $3M | |
| Lightning | $3M | |
| Strong wind | $3M | |
| Heat wave | $2M | |
| Winter weather | $1M | |
| Wildfire | $571K | |
| Drought | $470K | |
| Ice storm | $178K |
Homes in Commerce City
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Adams County
More cities in Adams County
Common questions about Commerce City
Is Commerce City safe from natural disasters?
Commerce City is in Adams County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are hail, inland flooding, cold wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Commerce City?
By expected yearly losses in Adams County, the top hazards are hail (Very High), inland flooding (Moderate), cold wave (High). Adams County has been part of 10 federal disaster or emergency declarations for natural events.
Does Commerce City get tornadoes?
Yes. NOAA records list 192 tornadoes in Adams County since 1950; the strongest was an F3 tornado on June 12, 1982. FEMA rates tornado risk in the county high.
Do I need flood insurance in Commerce City?
Standard home insurance does not cover floods. In Adams County, about 0.2% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.