Natural Disaster Risk in Lincoln County

Natural Hazard Profile: Lincoln County, Colorado

Lincoln County is located in the United States in Colorado, home to roughly 5,675 residents. The county experiences dry air, significant mountain snowfall, and rapid weather changes, with dramatic spring snowstorms and summer hailstorms shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.

According to FEMA's National Risk Index, Lincoln County carries an overall risk score of 4.1/10, placing it in the moderate category. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. The area also faces notable exposure to drought and wildfire.

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

Lincoln County's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hail exposure is adequately protected is a worthwhile step for property owners.