🌍 ClimateRiskCheck

Natural Disaster Risk in Florence

Colorado

6.1out of 10
High Risk

Risk Summary for Florence

Florence 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

Florence
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: Florence, Colorado

Located in the Great Plains in Fremont County, Florence is a town of roughly 7,459 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 Florence a community where hazard awareness has real practical value.

FEMA rates Florence's composite natural disaster risk at 6.1 out of 10 β€” high risk. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. Residents should also account for volcano and wildfire risk in their preparedness planning.

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

With a high natural disaster risk rating, Florence residents benefit from taking preparedness seriously. Reviewing insurance coverage for lightning and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Florence: Lightning preparedness

  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.

Local Factors for Florence

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

Population

7,459

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.3Β°

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

38.3221Β° N, 105.1019Β° 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 Florence

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Florence

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.