🌍 ClimateRiskCheck

Natural Disaster Risk in Flagler

Colorado

4.9out of 10
Moderate Risk

Risk Summary for Flagler

Flagler scores 4.9/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Cold Wave Winter Weather

All 18 Hazard Scores

Hail
9.2
Winter Weather
8.2
Cold Wave
8.2
Tornado
6.3
Strong Wind
6.1
Tsunami
5.4
Volcanic Activity
5.1
Wildfire
5.0
Coastal Flooding
4.9
Drought
4.5
Avalanche
4.5
Earthquake
3.8
Lightning
3.3
Ice Storm
3.1
Hurricane
2.4
Extreme Heat
1.8
Landslide
1.7
Riverine Flooding
1.0

How it compares

Flagler
4.9
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: Flagler, Colorado

Flagler, in Kit Carson County, is a small community of about 923 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 Flagler residents and property owners must navigate.

According to FEMA's National Risk Index, Flagler carries an overall risk score of 4.9/10, placing it in the moderate category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to cold wave and winter.

Within Colorado, Flagler's risk is, near the 5.2/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Kit Carson 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.

With a moderate risk rating, Flagler 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 hail is recommended.

What this means for Flagler: 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 Flagler

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

Population

923

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” summer fire risk

Fire score: 5.0/10

Coordinates

39.4017Β° N, 103.0819Β° W

Kit Carson 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 Flagler

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Flagler

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.