Natural Disaster Risk in Ophir
Colorado
Risk Summary for Ophir
Ophir scores 4.3/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Avalanche.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Ophir, Colorado
Ophir is a small unincorporated community in San Miguel 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 Ophir.
FEMA rates Ophir's composite natural disaster risk at 4.3 out of 10 — moderate risk. Snow avalanche exposure tops the local risk profile, with the area's mountain setting and annual snowfall loading producing regular avalanche cycles on steep slopes. Residents should also account for landslide and wildfire risk in their preparedness planning.
Ophir'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 San Miguel County, the highest-scoring are avalanche, landslide, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Ophir'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 avalanche exposure is adequately protected is a worthwhile step for property owners.
What this means for Ophir: Avalanche preparedness
- Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
- Be aware of slope angles and recent snow loading, which drive avalanche risk.
- Properties in runout zones may require specialized hazard assessment and insurance.
Local Factors for Ophir
These city-level factors differentiate Ophir from other communities in San Miguel County and provide geographic context for its hazard exposure.
Population
120
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 8.3/10
Coordinates
37.8734° N, 107.8319° W
San Miguel 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 Ophir
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Ophir
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.