🌍 ClimateRiskCheck

Natural Disaster Risk in Breckenridge

Colorado

5.4out of 10
Moderate Risk

Risk Summary for Breckenridge

Breckenridge scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Volcanic Activity Landslide

All 18 Hazard Scores

Avalanche
10.0
Volcanic Activity
9.5
Landslide
9.4
Lightning
8.3
Hail
8.1
Winter Weather
7.7
Wildfire
5.9
Earthquake
5.4
Tsunami
5.4
Coastal Flooding
4.9
Ice Storm
3.3
Tornado
3.2
Strong Wind
2.9
Hurricane
2.4
Drought
1.7
Cold Wave
1.7
Extreme Heat
1.2
Riverine Flooding
1.0

How it compares

Breckenridge
5.4
Colorado avg.
5.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Breckenridge, Colorado

Located in the Great Plains in Summit County, Breckenridge is a town of roughly 9,764 residents. The semi-arid continental climate that characterizes this part of Colorado β€” marked by dry air, significant mountain snowfall, and rapid weather changes β€” directly influences the types and severity of natural hazards present, making Breckenridge a community where hazard awareness has real practical value.

FEMA rates Breckenridge's composite natural disaster risk at 5.4 out of 10 β€” moderate risk. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. Residents should also account for volcano and landslide risk in their preparedness planning.

Relative to other U.S. communities, Breckenridge's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.2/10 state average. The hazard distribution here is led by avalanche and volcano, as measured by FEMA across Summit County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Breckenridge residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for avalanche is recommended.

What this means for Breckenridge: Avalanche preparedness

  • Be aware of slope angles and recent snow loading, which drive avalanche risk.
  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.

Local Factors for Breckenridge

These city-level factors differentiate Breckenridge from other communities in Summit County and provide geographic context for its hazard exposure.

Population

9,764

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” summer fire risk

Fire score: 5.9/10

Coordinates

39.4709Β° N, 106.0169Β° W

Summit County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Breckenridge

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Breckenridge

Other cities in Colorado

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.