🌍 ClimateRiskCheck

Natural Disaster Risk in McClave

Colorado

4.2out of 10
Moderate Risk

Risk Summary for McClave

McClave scores 4.2/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Drought.

Top Hazards

Drought Hail Wildfire

All 18 Hazard Scores

Drought
7.1
Wildfire
6.9
Hail
6.9
Tsunami
5.4
Strong Wind
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Winter Weather
3.9
Lightning
3.9
Cold Wave
3.6
Tornado
3.0
Earthquake
2.7
Hurricane
2.4
Extreme Heat
2.0
Ice Storm
1.8
Landslide
1.5
Riverine Flooding
1.0

How it compares

McClave
4.2
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: McClave, Colorado

McClave, in Bent County, is a small unincorporated community 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 McClave residents and property owners must navigate.

McClave's overall natural disaster risk is rated 4.2/10 (Moderate) by FEMA's National Risk Index. The area faces significant drought exposure, where below-average precipitation over extended periods strains water resources and drives secondary hazards like wildfire and crop failure. Secondary hazards include hail and wildfire.

Within Colorado, McClave's risk is, slightly below the 5.2/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Bent County identifies drought as the foremost hazard, followed by hail and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, McClave 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 drought is recommended.

What this means for McClave: Drought preparedness

  • Follow local water-use restrictions, which may be enacted during severe drought conditions.
  • Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
  • Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.

Local Factors for McClave

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

Population

450

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” summer fire risk

Fire score: 6.9/10

Coordinates

38.1253Β° N, 102.8967Β° W

Bent 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 McClave

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in McClave

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.