Natural Disaster Risk in Monument
Colorado
Risk Summary for Monument
Monument scores 7.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Monument, Colorado
Monument is a city of approximately 30,073 residents in El Paso County, in the Great Plains. The area experiences dry air, significant mountain snowfall, and rapid weather changes, with dramatic spring snowstorms and summer hailstorms shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Monument.
FEMA rates Monument's composite natural disaster risk at 7.7 out of 10 — high risk. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Residents should also account for hail and lightning risk in their preparedness planning.
Monument's risk score, considerably above the 5.2/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for El Paso County, the highest-scoring are winter, hail, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Monument'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 Monument: Winter Weather preparedness
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
Local Factors for Monument
These city-level factors differentiate Monument from other communities in El Paso County and provide geographic context for its hazard exposure.
Population
30,073
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 9.9/10
Coordinates
39.0918° N, 104.8576° W
El Paso 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 Monument
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Monument
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.