🌍 ClimateRiskCheck

Natural Disaster Risk in Garfield County

Colorado

5.3out of 10
Moderate Risk

Risk Summary for Garfield County

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

Top Hazards

Landslide Avalanche Volcanic Activity

All 18 Hazard Scores

Landslide
9.9
Avalanche
9.8
Volcanic Activity
9.6
Wildfire
9.2
Lightning
8.4
Earthquake
6.7
Tsunami
5.4
Drought
5.0
Coastal Flooding
4.9
Extreme Heat
4.5
Ice Storm
3.2
Hurricane
2.4
Cold Wave
2.3
Winter Weather
2.2
Strong Wind
2.1
Hail
2.1
Tornado
2.0
Riverine Flooding
1.0

How it compares

Garfield County
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: Garfield County, Colorado

Situated in the United States, Garfield County in Colorado experiences a semi-arid continental climate marked by dry air, significant mountain snowfall, and rapid weather changes. Dramatic spring snowstorms and summer hailstorms is a defining feature of the regional hazard profile that affects residents and property owners countywide.

FEMA rates Garfield County's composite natural disaster risk at 5.3 out of 10 β€” moderate risk. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. Residents should also account for avalanche and volcano risk in their preparedness planning.

Relative to other U.S. communities, Garfield County'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 landslide and avalanche, as measured by FEMA across Garfield County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Garfield County 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 landslide is recommended.

What this means for Garfield County: Landslide preparedness

  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.

Cities in Garfield County

ZIP codes in Garfield County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.