🌍 ClimateRiskCheck

Natural Disaster Risk in Hartman

Colorado

5.4out of 10
Moderate Risk

Risk Summary for Hartman

Hartman scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Drought.

Top Hazards

Drought Hail Lightning

All 18 Hazard Scores

Drought
9.6
Hail
9.0
Lightning
8.8
Wildfire
8.2
Winter Weather
7.5
Cold Wave
7.2
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Tornado
4.5
Avalanche
4.5
Strong Wind
4.2
Earthquake
3.8
Extreme Heat
2.8
Ice Storm
2.7
Hurricane
2.4
Landslide
1.6
Riverine Flooding
1.0

How it compares

Hartman
5.4
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: Hartman, Colorado

Hartman is a small unincorporated community in Prowers County, in the Great Plains. The area experiences dry air, significant mountain snowfall, and rapid weather changes, with dramatic spring snowstorms and summer hailstorms shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Hartman.

According to FEMA's National Risk Index, Hartman carries an overall risk score of 5.4/10, placing it in the moderate category. Prolonged drought is the primary hazard risk, shaped by low annual rainfall, high evaporation rates, and increasing temperature trends that deepen and lengthen dry periods. The area also faces notable exposure to hail and lightning.

Hartman's risk score, near the 5.2/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Prowers County, the highest-scoring are drought, hail, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Hartman 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 drought is recommended.

What this means for Hartman: Drought preparedness

  • Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
  • Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
  • Follow local water-use restrictions, which may be enacted during severe drought conditions.

Local Factors for Hartman

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

Population

30

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 8.2/10

Coordinates

38.1198Β° N, 102.2231Β° W

Prowers 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 Hartman

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Hartman

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.