🌍 ClimateRiskCheck

Natural Disaster Risk in Coaldale

Colorado

6.1out of 10
High Risk

Risk Summary for Coaldale

Coaldale 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

Coaldale
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: Coaldale, Colorado

Coaldale, in Fremont County, is a small community of about 538 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 Coaldale residents and property owners must navigate.

According to FEMA's National Risk Index, Coaldale carries an overall risk score of 6.1/10, placing it in the high category. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. The area also faces notable exposure to volcano and wildfire.

Within Colorado, Coaldale'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.

Coaldale's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Coaldale: 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 Coaldale

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

Population

538

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

38.3549Β° N, 105.8161Β° 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 Coaldale

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Coaldale

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.