Natural Disaster Risk in Cowdrey
Colorado
Risk Summary for Cowdrey
Cowdrey scores 3.6/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Avalanche.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Cowdrey, Colorado
Cowdrey, in Jackson 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 Cowdrey residents and property owners must navigate.
Cowdrey's overall natural disaster risk is rated 3.6/10 (Low) by FEMA's National Risk Index. Snow avalanche exposure tops the local risk profile, with the area's mountain setting and annual snowfall loading producing regular avalanche cycles on steep slopes. Secondary hazards include volcano and landslide.
Within Colorado, Cowdrey's risk is, considerably below the 5.2/10 state average. Nationally, it ranks below the U.S. national average of 4.5/10. FEMA's analysis of Jackson County identifies avalanche as the foremost hazard, followed by volcano and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Despite its lower-than-average risk classification, Cowdrey is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers avalanche — remains prudent for all residents.
What this means for Cowdrey: Avalanche preparedness
- Properties in runout zones may require specialized hazard assessment and insurance.
- Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
- Be aware of slope angles and recent snow loading, which drive avalanche risk.
Local Factors for Cowdrey
These city-level factors differentiate Cowdrey from other communities in Jackson County and provide geographic context for its hazard exposure.
Population
32
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — limited fire-prone terrain nearby
Fire score: 3.3/10
Coordinates
40.9121° N, 106.2823° W
Jackson 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 Cowdrey
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Cowdrey
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.