Natural Disaster Risk in Commerce City
Colorado
Risk Summary for Commerce City
Commerce City scores 7.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Commerce City, Colorado
Commerce City, in Adams County, is a city of 61,452 residents 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 Commerce City residents and property owners must navigate.
Commerce City's overall natural disaster risk is rated 7.5/10 (High) by FEMA's National Risk Index. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Secondary hazards include cold wave and winter.
Within Colorado, Commerce City's risk is, considerably above the 5.2/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Adams County identifies hail as the foremost hazard, followed by cold wave and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Commerce City'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 Commerce City: Hail preparedness
- Document roof and property condition annually to streamline any future hail claims.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
Local Factors for Commerce City
These city-level factors differentiate Commerce City from other communities in Adams County and provide geographic context for its hazard exposure.
Population
61,452
UrbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 8.3/10
Coordinates
39.8645° N, 104.7887° W
Adams 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 Commerce City
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Commerce City
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.