Natural Disaster Risk in Larkspur
Colorado
Risk Summary for Larkspur
Larkspur scores 7.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Larkspur, Colorado
Larkspur, in Douglas County, is a town of roughly 5,632 residents 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 Larkspur residents and property owners must navigate.
Larkspur'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 lightning and wildfire.
Within Colorado, Larkspur'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 Douglas County identifies hail as the foremost hazard, followed by lightning and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Larkspur residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Larkspur: 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 Larkspur
These city-level factors differentiate Larkspur from other communities in Douglas County and provide geographic context for its hazard exposure.
Population
5,632
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.2Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High β long dry fire season
Fire score: 9.9/10
Coordinates
39.1913Β° N, 104.8848Β° W
Douglas 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 Larkspur
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Larkspur
Other cities in Colorado
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.