The National Flood Insurance Program (NFIP) is a federal program that enables property owners to purchase flood insurance. Established by Congress through the National Flood Insurance Act of 1968, the NFIP is operated under the jurisdiction of the Federal Emergency Management Agency (FEMA). This flood insurance is designed to provide an alternative to federal disaster assistance for property damage caused by floods.
Estes Park joined the NFIP in the early 1970s and since that time, the Town has been active in floodplain management. The goals of the program are to:
The Town has four major drainage basins with mapped floodplains. Since the 2013 flood event, FEMA flood insurance maps no longer accurately reflect flood risk in Estes Park. The Town of Estes Park is now regulating to the high water marks from the 2013 flood event, and is actively working to obtain a revised FEMA Flood Insurance Study and revised Flood Insurance Rate Maps.
For insurance purposes, a determination as to whether or not your property (within the Town limits) is in a mapped regulatory flood hazard area can be requested by contacting the Estes Park Floodplain Manager at firstname.lastname@example.org or 970-577-3728.
The flood insurance rate map shows the risk of a 1% annual event (26% chance of being flooded at least once during the life of a 30-year mortgage), but does not account for geomorphic risk (e.g. rivers changing course, bank erosion), or for debris dams and/or blocked culverts causing backflow. Even though your property may not be in a mapped 1% area, you may still be subject to flooding, and you are eligible for flood insurance.
Click here for more maps.
Floodplain Development Permit Application. NOTE: Only engineers registered in the state of Colorado can apply for Floodplain Development Permits on behalf of the property owner.
Codes and Regulations
Estes Park Municipal Code Floodplain Regulations (EPMC 17.28)
Interim Floodplain Regulations - Ordinance #16-14