🌍 ClimateRiskCheck

Natural Disaster Risk in Karval

Colorado

4.1out of 10
Moderate Risk

Risk Summary for Karval

Karval scores 4.1/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Drought Wildfire

All 18 Hazard Scores

Hail
7.1
Drought
6.8
Wildfire
6.4
Tsunami
5.4
Winter Weather
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Cold Wave
3.9
Strong Wind
3.8
Tornado
3.4
Earthquake
2.9
Lightning
2.7
Hurricane
2.4
Ice Storm
2.4
Extreme Heat
1.8
Landslide
1.6
Riverine Flooding
1.0

How it compares

Karval
4.1
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: Karval, Colorado

Located in the Great Plains in Lincoln County, Karval is a small unincorporated community. 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 Karval a community where hazard awareness has real practical value.

FEMA rates Karval's composite natural disaster risk at 4.1 out of 10 β€” moderate risk. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. Residents should also account for drought and wildfire risk in their preparedness planning.

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

With a moderate risk rating, Karval 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 hail is recommended.

What this means for Karval: Hail preparedness

  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
  • 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.

Local Factors for Karval

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

Population

197

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” summer fire risk

Fire score: 6.4/10

Coordinates

38.6903Β° N, 103.4674Β° W

Lincoln 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 Karval

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Karval

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.