Laramie, Wyoming: natural disaster risk
How exposed Laramie is to floods, storms and other hazards, from FEMA and NOAA records for Albany County.
Laramie is a city of 32,234 people in Albany County, Wyoming. FEMA's National Risk Index rates Albany County relatively low for natural hazards overall, lower than most of the US. The costliest hazards there are inland flooding, cold wave and lightning, with about $18.1 million in expected losses a year across the county. The weather service has logged 287 storm reports in the county since 1953, including 32 tornadoes and 23 floods. About 0.4% of homes in the county carry federal flood insurance.
Risk figures are for Albany County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Laramie
Full Albany 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.
- Go indoors when you hear thunder.
- Use surge protectors for electronics.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $6M | |
| Cold wave | $6M | |
| Lightning | $979K | |
| Avalanche | $913K | |
| Tornado | $863K | |
| Wildfire | $782K | |
| Earthquake | $576K | |
| Winter weather | $493K | |
| Hail | $286K | |
| Strong wind | $232K | |
| Ice storm | $102K | |
| Landslide | $53K |
Homes in Laramie
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 Albany County
Common questions about Laramie
Is Laramie safe from natural disasters?
Laramie is in Albany County, which FEMA's National Risk Index rates relatively low overall, lower than most of the US. The biggest hazards are inland flooding, cold wave, lightning. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Laramie?
By expected yearly losses in Albany County, the top hazards are inland flooding (Low), cold wave (Moderate), lightning (High). Albany County has been part of 8 federal disaster or emergency declarations for natural events.
Does Laramie get tornadoes?
Yes. NOAA records list 32 tornadoes in Albany County since 1950; the strongest was an EF3 tornado on June 6, 2018 near Wyoming. FEMA rates tornado risk in the county low.
Do I need flood insurance in Laramie?
Standard home insurance does not cover floods. In Albany County, about 0.4% of homes have federal flood insurance, and FEMA rates inland flooding risk low. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.