🌍 ClimateRiskCheck

Natural Disaster Risk in Divide

Colorado

5.3out of 10
Moderate Risk

Risk Summary for Divide

Divide scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Volcanic Activity Landslide

All 18 Hazard Scores

Wildfire
9.7
Volcanic Activity
9.5
Landslide
9.3
Lightning
8.5
Avalanche
8.3
Hail
8.1
Winter Weather
7.7
Tsunami
5.4
Coastal Flooding
4.9
Tornado
3.7
Earthquake
3.3
Hurricane
2.4
Strong Wind
2.4
Ice Storm
2.4
Cold Wave
1.8
Drought
1.7
Extreme Heat
1.5
Riverine Flooding
1.0

How it compares

Divide
5.3
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: Divide, Colorado

Located in the Great Plains in Teller County, Divide is a town of roughly 4,599 residents. The semi-arid continental climate that characterizes this part of Colorado β€” marked by dry air, significant mountain snowfall, and rapid weather changes β€” directly influences the types and severity of natural hazards present, making Divide a community where hazard awareness has real practical value.

FEMA rates Divide's composite natural disaster risk at 5.3 out of 10 β€” moderate risk. Wildfire is the primary natural hazard, driven by dry seasonal conditions, fire-prone vegetation, and the wind patterns that can spread flames rapidly across the landscape. Residents should also account for volcano and landslide risk in their preparedness planning.

Relative to other U.S. communities, Divide's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.2/10 state average. The hazard distribution here is led by wildfire and volcano, as measured by FEMA across Teller County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Divide 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 wildfire is recommended.

What this means for Divide: Wildfire preparedness

  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.

Local Factors for Divide

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

Population

4,599

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.7/10

Coordinates

38.9473Β° N, 105.1760Β° W

Teller 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 Divide

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Divide

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.