🌍 ClimateRiskCheck

Natural Disaster Risk in Howard

Colorado

6.1out of 10
High Risk

Risk Summary for Howard

Howard scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Volcanic Activity Wildfire

All 18 Hazard Scores

Lightning
9.7
Volcanic Activity
9.6
Wildfire
9.5
Landslide
9.4
Winter Weather
8.7
Avalanche
8.7
Hail
8.6
Tsunami
5.4
Earthquake
4.9
Coastal Flooding
4.9
Drought
4.7
Extreme Heat
4.7
Tornado
4.0
Strong Wind
3.5
Ice Storm
3.1
Hurricane
2.4
Cold Wave
2.4
Riverine Flooding
1.0

How it compares

Howard
6.1
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: Howard, Colorado

Howard is a small community of about 966 in Fremont 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 Howard.

According to FEMA's National Risk Index, Howard carries an overall risk score of 6.1/10, placing it in the high category. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. The area also faces notable exposure to volcano and wildfire.

Howard's risk score, slightly above 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 Fremont County, the highest-scoring are lightning, volcano, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Howard'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 Howard: Lightning preparedness

  • Install whole-home surge protection to shield electronics from strike-related power surges.
  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.

Local Factors for Howard

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

Population

966

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.5Β°

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

38.4924Β° N, 105.8137Β° 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 Howard

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Howard

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.