Natural Disaster Risk in Florence
Colorado
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
All 18 Hazard Scores
How it compares
Live Conditions
π 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 TownGeographic 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
Notable Weather Days (last 12 months)
ZIP Codes in Florence
Other cities in Colorado
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.