Flood history / Colorado / ZIP 80304
ZIP 80304
Boulder County, CO
Property owners in ZIP 80304 have been paid $5.5M on 256 National Flood Insurance Program claims between 1990 and 2026 — an average of $22K a claim, across 16 separate years in which someone here filed and was paid.
The heaviest year
2013 is the heaviest year on file: 221 paid claims, 86.3% of the ZIP's total. More than half of everything ever paid here traces to that single year. The largest named event in the record is Late summer storms, with 218 claims.
8 of those claims — 3.1% — were filed since 2017. The bulk of this ZIP's record is older than that.
Where the claims sat on the map
Of the 256 claims here that record a rated flood zone, 111 — 43.4% — were on properties rated outside the mapped high-risk area, in a B, C or X zone. Being outside the high-risk zone has not meant much here. Flood insurance is not required outside the high-risk zone, and most properties there do not carry it — so these counts come from the minority who did.
The water near this ZIP
The closest gauges publishing official flood thresholds are Boulder Creek (CO) below Broadway St (2.1 mi), Boulder Creek (CO) near Orodell (3.5 mi) and Left Hand Creek (CO) below Jamestown (5.0 mi). A gauge describes one point on one river — it will not see street drainage, sewer backup, storm surge or flash flooding.
Read current gauge conditions for 80304 →
What this does not say
These are paid National Flood Insurance Program claims, nothing more. They count insured properties whose owners filed and were paid, so they are a floor on how often this ZIP has flooded — never a measure of how likely it is to flood next. Uninsured flooding leaves no trace here at all.
The figures are aggregates published by FEMA. No individual claim, address or policyholder appears on this page or in the data behind it. Nothing here is a forecast, a warning, or advice about insurance.