🌍 ClimateRiskCheck

Natural Disaster Risk in Loma

Colorado

6.3out of 10
High Risk

Risk Summary for Loma

Loma scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Avalanche Lightning

All 18 Hazard Scores

Landslide
9.9
Lightning
9.8
Avalanche
9.8
Volcanic Activity
9.3
Wildfire
9.1
Earthquake
8.7
Drought
7.7
Winter Weather
7.2
Extreme Heat
6.5
Tsunami
5.4
Coastal Flooding
4.9
Ice Storm
4.4
Cold Wave
3.9
Hail
3.1
Tornado
2.8
Hurricane
2.4
Strong Wind
2.2
Riverine Flooding
1.0

How it compares

Loma
6.3
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: Loma, Colorado

Loma, in Mesa County, is a town of roughly 2,760 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 Loma residents and property owners must navigate.

According to FEMA's National Risk Index, Loma carries an overall risk score of 6.3/10, placing it in the high category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to avalanche and lightning.

Within Colorado, Loma's risk is, slightly above the 5.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Mesa County identifies landslide as the foremost hazard, followed by avalanche and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Loma'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 Loma: Landslide preparedness

  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.

Local Factors for Loma

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

Population

2,760

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.1/10

Coordinates

39.2842Β° N, 108.7326Β° W

Mesa 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 Loma

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Loma

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.