🌍 ClimateRiskCheck

Natural Disaster Risk in Clear Creek County

Colorado

5.0out of 10
Moderate Risk

Risk Summary for Clear Creek County

Clear Creek County scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Wildfire Volcanic Activity

All 18 Hazard Scores

Avalanche
10.0
Wildfire
9.5
Volcanic Activity
9.4
Landslide
9.0
Hail
7.8
Lightning
7.2
Tsunami
5.4
Coastal Flooding
4.9
Winter Weather
4.1
Earthquake
3.5
Tornado
2.9
Ice Storm
2.6
Hurricane
2.4
Strong Wind
2.2
Drought
1.7
Cold Wave
1.6
Extreme Heat
1.2
Riverine Flooding
1.0

How it compares

Clear Creek County
5.0
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: Clear Creek County, Colorado

Situated in the United States, Clear Creek County in Colorado experiences a semi-arid continental climate marked by dry air, significant mountain snowfall, and rapid weather changes. Dramatic spring snowstorms and summer hailstorms is a defining feature of the regional hazard profile that affects residents and property owners countywide.

Clear Creek County's overall natural disaster risk is rated 5.0/10 (Moderate) by FEMA's National Risk Index. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. Secondary hazards include wildfire and volcano.

Relative to other U.S. communities, Clear Creek County's natural disaster risk is near 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 wildfire, as measured by FEMA across Clear Creek County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Clear Creek County 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 Clear Creek County: 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.

Cities in Clear Creek County

ZIP codes in Clear Creek County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.