Loveland, Colorado: natural disaster risk
How exposed Loveland is to floods, storms and other hazards, from FEMA and NOAA records for Larimer County.
Loveland is a city of 78,410 people in Larimer County, Colorado. FEMA's National Risk Index rates Larimer County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, cold wave and wildfire, with about $127 million in expected losses a year across the county. The weather service has logged 923 storm reports in the county since 1954, including 33 tornadoes and 80 floods. About 0.6% of homes in the county carry federal flood insurance.
Risk figures are for Larimer County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Loveland
Full Larimer County report ›- 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.
- Clear dry plants and debris within 5 feet of the house.
- Get home insurance quotes early; availability varies by area.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $54M | |
| Cold wave | $16M | |
| Wildfire | $15M | |
| Tornado | $11M | |
| Hail | $11M | |
| Lightning | $7M | |
| Avalanche | $3M | |
| Strong wind | $3M | |
| Earthquake | $3M | |
| Winter weather | $2M | |
| Heat wave | $817K | |
| Landslide | $491K |
Homes in Loveland
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 Larimer County
More cities in Larimer County
Other cities in Colorado
All ›Common questions about Loveland
Is Loveland safe from natural disasters?
Loveland is in Larimer County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, cold wave, wildfire. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Loveland?
By expected yearly losses in Larimer County, the top hazards are inland flooding (Moderate), cold wave (High), wildfire (High). Larimer County has been part of 28 federal disaster or emergency declarations for natural events.
Does Loveland get tornadoes?
Yes. NOAA records list 33 tornadoes in Larimer County since 1950; the strongest was an EF3 tornado on June 4, 2015 near Berthoud. FEMA rates tornado risk in the county high.
Do I need flood insurance in Loveland?
Standard home insurance does not cover floods. In Larimer County, about 0.6% 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.