🌍 ClimateRiskCheck

Natural Disaster Risk in Grover

Colorado

7.4out of 10
High Risk

Risk Summary for Grover

Grover scores 7.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Cold Wave Volcanic Activity

All 18 Hazard Scores

Hail
9.9
Volcanic Activity
9.7
Cold Wave
9.7
Tornado
9.6
Strong Wind
9.6
Winter Weather
9.4
Lightning
9.3
Wildfire
8.9
Ice Storm
8.2
Earthquake
8.1
Extreme Heat
6.5
Tsunami
5.4
Coastal Flooding
4.9
Landslide
4.8
Drought
4.6
Avalanche
4.5
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Grover
7.4
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: Grover, Colorado

Grover, in Weld County, is a small unincorporated community 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 Grover residents and property owners must navigate.

Grover's overall natural disaster risk is rated 7.4/10 (High) by FEMA's National Risk Index. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Secondary hazards include cold wave and volcano.

Within Colorado, Grover's risk is, considerably above the 5.2/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Weld County identifies hail as the foremost hazard, followed by cold wave and volcano. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Grover's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Grover: 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 Grover

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

Population

350

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 8.9/10

Coordinates

40.8744Β° N, 104.2263Β° W

Weld 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 Grover

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Grover

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.