Does Broadmoor flood?
Broadmoor, Colorado Springs, CO · ZIP codes 80906 and 80905: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Broadmoor have filed flood claims. About 9.2% of Broadmoor’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 81 claims from the Census block groups that cover Broadmoor, from 1980 through 2019. 44 of them received a payment, totaling $529,086 (not adjusted for inflation). The busiest years were 2013 (32 claims), 1999 (22 claims), 2015 (9 claims).
What this page counts as Broadmoor
We could not find an openly licensed official boundary for Broadmoor, so this page uses a census-based area. For this page, Broadmoor means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Broadmoor (feature 193527) and inside the Colorado Springs city limits (U.S. Census Bureau), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Broadmoor. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Broadmoor
Neighborhood figures are averages. Our address check looks up the FEMA flood zone and the Forest Service’s wildfire hazard potential at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Broadmoor
The named streets in Broadmoor, longest first, with how much of each street’s length inside Broadmoor lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Broadmoor; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 70 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Lake Ave | 1.9 mi | 0.0% | X (unshaded, minimal) (94%) |
| S Nevada Ave | 1.1 mi | 0.0% | X (unshaded, minimal) (97%) |
| W Old Broadmoor Rd | 5,070 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Cheyenne Rd | 4,820 ft | 91% | AE (91%) |
| Elm Ave | 4,340 ft | 0.0% | X (unshaded, minimal) (100%) |
| Cheyenne Mountain Blvd | 4,150 ft | 0.0% | X (unshaded, minimal) (100%) |
| Broadmoor Ave | 4,120 ft | 0.0% | X (unshaded, minimal) (100%) |
| Pourtales Rd | 3,990 ft | 0.0% | X (unshaded, minimal) (100%) |
| W Cheyenne Mountain Blvd | 3,730 ft | 0.0% | X (unshaded, minimal) (100%) |
| Cheyenne Blvd | 3,410 ft | 0.0% | X (unshaded, minimal) (100%) |
| Mesa Ave | 3,270 ft | 0.0% | X (unshaded, minimal) (100%) |
| Marland Rd | 3,150 ft | 0.0% | X (unshaded, minimal) (100%) |
| 2nd St | 2,970 ft | 0.0% | X (unshaded, minimal) (100%) |
| Polo Dr | 2,900 ft | 0.0% | X (unshaded, minimal) (100%) |
| Oxford Ln | 2,820 ft | 1.8% | X (unshaded, minimal) (97%) |
| Skyway Blvd | 2,590 ft | 79% | AO (79%) |
| Springmeadow Dr | 2,460 ft | 0.0% | X (unshaded, minimal) (100%) |
| Springridge Dr | 2,350 ft | 0.0% | X (unshaded, minimal) (100%) |
| Bear Paw Ln S | 2,340 ft | 52% | AE (52%) |
| 1st St | 2,140 ft | 0.0% | X (unshaded, minimal) (100%) |
| Lake Cir | 2,050 ft | 0.0% | X (unshaded, minimal) (100%) |
| Cresta Rd | 2,020 ft | 9.5% | X (unshaded, minimal) (83%) |
| 7th St | 2,010 ft | 0.0% | X (unshaded, minimal) (100%) |
| Crossland Rd | 1,970 ft | 0.0% | X (unshaded, minimal) (100%) |
| Oak Ave | 1,950 ft | 0.0% | X (unshaded, minimal) (100%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved November 4, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Broadmoor
Share of Broadmoor’s mapped area (about 4.975 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Effective date of the FIRM panel(s) covering it (08041C0736G, 08041C0737G): December 7, 2018.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 87% |
| AE | 8.7% |
| X (shaded, 0.2% annual chance) | 3.4% |
| AO | 0.5% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Broadmoor. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1980s | 5 | $17,333 |
| 1990s | 30 | $59,028 |
| 2000s | 2 | $0 |
| 2010s | 44 | $452,726 |
By year of loss
Named flood events with the most claims
- Late summer storms: 32 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 52
- X/B/C (moderate or minimal): 23
- Not reported: 5
- Other (D): 1
How much is flood insurance in Broadmoor?
The typical National Flood Insurance Program policy on single-family homes in Broadmoor costs $2,126 a year: the median of 45 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $1,496 and $3,024. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed November 4, 2026.
Why home insurance costs what it does in Broadmoor
This section is educational and is not insurance advice.
Flood insurance
ZIP codes do not follow neighborhood lines. These are the ZIP codes on at least 5% of the flood claims counted for Broadmoor, within 10 km of it.
- ZIP code 80906: the median National Flood Insurance Program policy cost for single-family homes was $1,205 a year, the middle of 148 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $735 and $1,976. These policies are priced under Risk Rating 2.0.
- ZIP code 80906: NFIP records list 173 flood claims with a loss year from 1978 through 2026. The claims dataset is as of September 8, 2026.
- ZIP code 80905: the median National Flood Insurance Program policy cost for single-family homes was $1,050 a year, the middle of 40 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $740 and $1,830. These policies are priced under Risk Rating 2.0.
- ZIP code 80905: NFIP records list 43 flood claims with a loss year from 1980 through 2025. The claims dataset is as of September 8, 2026.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives Colorado Springs, CO a Risk to Homes national percentile rank of 0.963, which its methods call Very High (above the 90th percentile). That is the city rating, not a rating of Broadmoor alone. The summary file is dated April 15, 2026.
What to ask your agent
- Ask the agent how old the roof is.
- Ask whether a wind-mitigation discount is available for this house.
- Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy.
- Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated.
- Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Flood coverage and the 30-day wait: FEMA fact sheet, Jan. 21, 2025; 44 CFR 61.11.
What do NFIP records show for flood insurance in Broadmoor?
ZIP code 80906: the median National Flood Insurance Program policy cost for single-family homes was $1,205 a year, the middle of 148 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $735 and $1,976. These policies are priced under Risk Rating 2.0. ZIP code 80906: NFIP records list 173 flood claims with a loss year from 1978 through 2026. The claims dataset is as of September 8, 2026. ZIP code 80905: the median National Flood Insurance Program policy cost for single-family homes was $1,050 a year, the middle of 40 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $740 and $1,830. These policies are priced under Risk Rating 2.0. ZIP code 80905: NFIP records list 43 flood claims with a loss year from 1980 through 2025. The claims dataset is as of September 8, 2026.
What do public fire and wind records show for Broadmoor?
USDA Forest Service Wildfire Risk to Communities gives Colorado Springs, CO a Risk to Homes national percentile rank of 0.963, which its methods call Very High (above the 90th percentile). That is the city rating, not a rating of Broadmoor alone. The summary file is dated April 15, 2026.
What should I ask an insurance agent about a home in Broadmoor?
Ask the agent how old the roof is. Ask whether a wind-mitigation discount is available for this house. Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy. Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated. Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Sources: OpenFEMA NFIP Redacted Policies v3; OpenFEMA NFIP Redacted Claims v3; USDA Forest Service, Wildfire Risk to Communities, community summaries; Wildfire Risk to Communities methods.
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Wildfire hazard potential in Broadmoor
The USDA Forest Service’s 2023 Wildfire Hazard Potential map places about 7.0% of Broadmoor’s mapped area in its High or Very High classes, and 68% in land it treats as non-burnable, such as most developed land (USDA Forest Service, Wildfire Hazard Potential 2023).
| Wildfire hazard potential class | Share of Broadmoor |
|---|---|
| High | 7.0% |
| Moderate | 13% |
| Low | 10% |
| Non-burnable | 68% |
| Water | 1.7% |
Wildfire Hazard Potential is the Forest Service’s index of the relative potential for wildfire that would be difficult to contain, built from fire simulations, vegetation and fuels data, and the locations of past fires. On its own it is not a map of wildfire risk to a particular home, and it is not a forecast for any season. It is a national map at 270 m resolution, meant for comparing large landscapes; the Forest Service’s map service counts about 115 of its cells inside Broadmoor. Embers can carry fire beyond the mapped classes (USDA Forest Service, Fire Modeling Institute: Wildfire Hazard Potential).
Wildfire hazard data: USDA Forest Service, Fire Modeling Institute (public domain under CC0). The Forest Service does not endorse this site.
Before you rent or buy in Broadmoor
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Broadmoor
Flood maps are only one part of choosing a neighborhood. To compare Broadmoor with other Colorado Springs neighborhoods on more than flooding, see Colorado Springs on StrollPlace.
Buyer and renter FAQ
Does Broadmoor flood?
Yes. Insured properties in and around Broadmoor have filed flood claims. About 9.2% of Broadmoor’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 81 claims from the Census block groups that cover Broadmoor, from 1980 through 2019. 44 of them received a payment, totaling $529,086 (not adjusted for inflation). The busiest years were 2013 (32 claims), 1999 (22 claims), 2015 (9 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Broadmoor in a flood zone?
About 9.2% of Broadmoor’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 87%; AE 8.7%; X (shaded, 0.2% annual chance) 3.4%; AO 0.5%. The FIRM panel(s) covering it took effect December 7, 2018.
Which streets in Broadmoor are in a high-risk flood zone?
Most of the length of W Cheyenne Rd, Skyway Blvd and Bear Paw Ln S lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Lake Ave, S Nevada Ave, W Old Broadmoor Rd, Elm Ave, Cheyenne Mountain Blvd, Broadmoor Ave, Pourtales Rd and W Cheyenne Mountain Blvd does. Zones can change along a street, so check the exact address.
What ZIP code is Broadmoor in?
Broadmoor is in Colorado Springs, CO. ZIP codes 80906 and 80905: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
Is Broadmoor in a wildfire hazard area?
The USDA Forest Service’s 2023 Wildfire Hazard Potential map places about 7.0% of Broadmoor’s mapped area in its High or Very High classes and 68% in land it treats as non-burnable. It compares landscapes nationally; it is not a forecast and does not rate any home.
How much is flood insurance in Broadmoor?
The typical NFIP flood insurance policy on single-family homes in Broadmoor cost $2,126 a year: the median of 45 policies that started between September 1, 2025 and August 31, 2026. Half cost between $1,496 and $3,024. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved November 4, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for El Paso County (county code 08041), dataset as of September 8, 2026, retrieved November 4, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 080410031005, 080410031002, 080410031003, 080410031001, 080410025023. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. Wildfire hazard potential: the 2023 classified map’s 270 m cells that the Forest Service image service counts inside the polygon, as a share per class. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on November 4, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on November 4, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- Dillon, Gregory K. 2023. Wildfire Hazard Potential for the United States (270-m), version 2023. 4th Edition. Updated 17 July 2024. Fort Collins, CO: Forest Service Research Data Archive (2023 classified map, 270 m resolution; read November 4, 2026).
- USDA Forest Service, Fire Modeling Institute: Wildfire Hazard Potential.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- OpenFEMA NFIP Redacted Policies v3.
- OpenFEMA NFIP Redacted Claims v3.
- USDA Forest Service, Wildfire Risk to Communities, community summaries.
- Wildfire Risk to Communities methods.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and November 4, 2026 (flood zones); hazard data computed November 4, 2026. Page last updated November 4, 2026.