🌍 ClimateRiskCheck

Natural Disaster Risk in Coal Creek

Colorado

6.1out of 10
High Risk

Risk Summary for Coal Creek

Coal Creek scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Volcanic Activity Wildfire

All 18 Hazard Scores

Lightning
9.7
Volcanic Activity
9.6
Wildfire
9.5
Landslide
9.4
Winter Weather
8.7
Avalanche
8.7
Hail
8.6
Tsunami
5.4
Earthquake
4.9
Coastal Flooding
4.9
Drought
4.7
Extreme Heat
4.7
Tornado
4.0
Strong Wind
3.5
Ice Storm
3.1
Hurricane
2.4
Cold Wave
2.4
Riverine Flooding
1.0

How it compares

Coal Creek
6.1
Colorado avg.
5.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

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

Natural Hazard Profile: Coal Creek, Colorado

Coal Creek, in Fremont County, is a small unincorporated community situated in the Great Plains. Its semi-arid continental climate brings dry air, significant mountain snowfall, and rapid weather changes, and in particular dramatic spring snowstorms and summer hailstorms. These conditions collectively define the natural hazard environment that Coal Creek residents and property owners must navigate.

Coal Creek's overall natural disaster risk is rated 6.1/10 (High) by FEMA's National Risk Index. High lightning activity is the primary natural hazard concern, driven by frequent severe thunderstorm development that produces dense ground strike patterns across the area. Secondary hazards include volcano and wildfire.

Within Colorado, Coal Creek's risk is, slightly above the 5.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Fremont County identifies lightning as the foremost hazard, followed by volcano and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Coal Creek residents benefit from taking preparedness seriously. Reviewing insurance coverage for lightning and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Coal Creek: Lightning preparedness

  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.
  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.

Local Factors for Coal Creek

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

Population

324

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.5/10

Coordinates

38.3624Β° N, 105.1424Β° W

Fremont 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 Coal Creek

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Coal Creek

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.