🌍 ClimateRiskCheck

Natural Disaster Risk in Fort Garland

Colorado

4.4out of 10
Moderate Risk

Risk Summary for Fort Garland

Fort Garland scores 4.4/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Landslide Wildfire

All 18 Hazard Scores

Avalanche
8.7
Landslide
8.1
Wildfire
7.6
Drought
7.4
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Earthquake
4.4
Lightning
4.2
Winter Weather
3.6
Cold Wave
3.3
Hail
2.9
Hurricane
2.4
Ice Storm
2.1
Tornado
1.9
Extreme Heat
1.8
Strong Wind
1.5
Riverine Flooding
1.0

How it compares

Fort Garland
4.4
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: Fort Garland, Colorado

Located in the Great Plains in Costilla County, Fort Garland is a small community of about 1,085. 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 Fort Garland a community where hazard awareness has real practical value.

Fort Garland's overall natural disaster risk is rated 4.4/10 (Moderate) by FEMA's National Risk Index. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. Secondary hazards include landslide and wildfire.

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

With a moderate risk rating, Fort Garland 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 avalanche is recommended.

What this means for Fort Garland: Avalanche preparedness

  • Be aware of slope angles and recent snow loading, which drive avalanche risk.
  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.

Local Factors for Fort Garland

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

Population

1,085

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 37.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 7.6/10

Coordinates

37.4496Β° N, 105.3275Β° W

Costilla 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 Fort Garland

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Fort Garland

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.