Does Harris Park flood?
Harris Park, Westminster, CO · ZIP code 80030: the ZIP code on 25 of the 25 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Harris Park have filed flood claims. About 99% of Harris Park’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 25 claims from the Census block groups that cover Harris Park, from 1980 through 2023. 19 of them received a payment, totaling $233,274 (not adjusted for inflation). The busiest years were 1982 (6 claims), 1984 (6 claims), 1983 (5 claims).
What this page counts as Harris Park
We could not find an openly licensed official boundary for Harris Park, so this page uses a census-based area. For this page, Harris Park 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 Harris Park (feature 2354413) and inside the Westminster 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 Harris Park. 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 Harris Park
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 Harris Park
The named streets in Harris Park, longest first, with how much of each street’s length inside Harris Park lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Harris Park; 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. 39 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| W 76th Ave | 1.5 mi | 100% | AREA NOT INCLUDED (100%) |
| W 72nd Ave | 1.3 mi | 100% | AREA NOT INCLUDED (100%) |
| W 75th Ave | 1.1 mi | 100% | AREA NOT INCLUDED (100%) |
| Raleigh St | 1.1 mi | 100% | AREA NOT INCLUDED (100%) |
| Bradburn Blvd | 1.0 mi | 100% | AREA NOT INCLUDED (100%) |
| Stuart St | 5,150 ft | 100% | AREA NOT INCLUDED (100%) |
| W 78th Ave | 5,110 ft | 100% | AREA NOT INCLUDED (100%) |
| Newton St | 5,110 ft | 100% | AREA NOT INCLUDED (100%) |
| Turnpike Dr | 5,030 ft | 100% | AREA NOT INCLUDED (100%) |
| Yates St | 4,860 ft | 100% | AREA NOT INCLUDED (100%) |
| W 73rd Ave | 4,740 ft | 100% | AREA NOT INCLUDED (100%) |
| Lowell Blvd | 4,670 ft | 100% | AREA NOT INCLUDED (100%) |
| Sheridan Blvd | 4,470 ft | 100% | AREA NOT INCLUDED (100%) |
| Federal Blvd | 4,320 ft | 100% | AREA NOT INCLUDED (100%) |
| Wolff St | 4,180 ft | 100% | AREA NOT INCLUDED (100%) |
| Winona Ct | 3,970 ft | 100% | AREA NOT INCLUDED (100%) |
| Utica St | 3,960 ft | 100% | AREA NOT INCLUDED (100%) |
| Osceola St | 3,940 ft | 100% | AREA NOT INCLUDED (100%) |
| Xavier St | 3,810 ft | 100% | AREA NOT INCLUDED (100%) |
| W 74th Ave | 3,800 ft | 100% | AREA NOT INCLUDED (100%) |
| Irving St | 3,530 ft | 100% | AREA NOT INCLUDED (100%) |
| Quitman St | 3,510 ft | 100% | AREA NOT INCLUDED (100%) |
| Denver Boulder Tpke | 3,380 ft | 100% | AREA NOT INCLUDED (100%) |
| W 70th Ave | 2,890 ft | 100% | AREA NOT INCLUDED (100%) |
| Knox Ct | 2,850 ft | 100% | AREA NOT INCLUDED (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 Harris Park
Share of Harris Park’s mapped area (about 4.57 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 (08001C0583H, 08001C0584H): March 5, 2007.
| FEMA zone | Share of area |
|---|---|
| AREA NOT INCLUDED | 99% |
| X (unshaded, minimal) | 0.6% |
| A | 0.0% |
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 Harris Park. 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 | 23 | $226,515 |
| 2010s | 1 | $607 |
| 2020s | 1 | $6,152 |
By year of loss
Named flood events with the most claims
- Flooding: 1 claims
- Late summer storms: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- Not reported: 22
- X/B/C (moderate or minimal): 2
- A/AE/AH/AO (high risk): 1
Why home insurance costs what it does in Harris Park
This section is educational and is not insurance advice.
Flood insurance
ZIP codes do not follow neighborhood lines. This is a ZIP code on at least 5% of the flood claims counted for Harris Park, within 10 km of it.
- ZIP code 80030: NFIP records list 27 flood claims with a loss year from 1980 through 2023. The claims dataset is as of September 8, 2026.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives Westminster, CO a Risk to Homes national percentile rank of 0.819, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Harris Park 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 Harris Park?
ZIP code 80030: NFIP records list 27 flood claims with a loss year from 1980 through 2023. The claims dataset is as of September 8, 2026.
What do public fire and wind records show for Harris Park?
USDA Forest Service Wildfire Risk to Communities gives Westminster, CO a Risk to Homes national percentile rank of 0.819, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Harris Park alone. The summary file is dated April 15, 2026.
What should I ask an insurance agent about a home in Harris Park?
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 Claims v3; USDA Forest Service, Wildfire Risk to Communities, community summaries; Wildfire Risk to Communities methods.
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Wildfire hazard potential in Harris Park
The USDA Forest Service’s 2023 Wildfire Hazard Potential map places about 4.5% of Harris Park’s mapped area in its High or Very High classes, and 90% 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 Harris Park |
|---|---|
| High | 4.5% |
| Moderate | 4.5% |
| Non-burnable | 90% |
| Water | 0.9% |
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 111 of its cells inside Harris Park. 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 Harris Park
- 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 Harris Park
Flood maps are only one part of choosing a neighborhood. To compare Harris Park with other Westminster neighborhoods on more than flooding, see Westminster on StrollPlace.
Buyer and renter FAQ
Does Harris Park flood?
Yes. Insured properties in and around Harris Park have filed flood claims. About 99% of Harris Park’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 25 claims from the Census block groups that cover Harris Park, from 1980 through 2023. 19 of them received a payment, totaling $233,274 (not adjusted for inflation). The busiest years were 1982 (6 claims), 1984 (6 claims), 1983 (5 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Harris Park in a flood zone?
About 99% of Harris Park’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). Shares by zone: AREA NOT INCLUDED 99%; X (unshaded, minimal) 0.6%; A 0.0%. The FIRM panel(s) covering it took effect March 5, 2007.
Which streets in Harris Park are in a high-risk flood zone?
Most of the length of W 76th Ave, W 72nd Ave, W 75th Ave, Raleigh St, Bradburn Blvd, Stuart St, W 78th Ave, Newton St, Turnpike Dr, Yates St, W 73rd Ave and Lowell Blvd lies in FEMA high-risk zones (the Special Flood Hazard Area). Zones can change along a street, so check the exact address.
What ZIP code is Harris Park in?
Harris Park is in Westminster, CO. ZIP code 80030: the ZIP code on 25 of the 25 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 Harris Park in a wildfire hazard area?
The USDA Forest Service’s 2023 Wildfire Hazard Potential map places about 4.5% of Harris Park’s mapped area in its High or Very High classes and 90% in land it treats as non-burnable. It compares landscapes nationally; it is not a forecast and does not rate any home.
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 Adams County (county code 08001), 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: 080010096042, 080010096071, 080010096032, 080010096041, 080010096073, 080010096031. 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.
- 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.