🌍 ClimateRiskCheck

Natural Disaster Risk in Timnath

Colorado

7.9out of 10
High Risk

Risk Summary for Timnath

Timnath scores 7.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Avalanche Hail

All 18 Hazard Scores

Lightning
9.9
Wildfire
9.8
Hail
9.8
Winter Weather
9.8
Landslide
9.8
Avalanche
9.8
Volcanic Activity
9.7
Cold Wave
9.5
Tornado
9.2
Strong Wind
8.9
Earthquake
8.3
Extreme Heat
6.4
Ice Storm
5.9
Drought
5.4
Tsunami
5.4
Coastal Flooding
4.9
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Timnath
7.9
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: Timnath, Colorado

Timnath, in Larimer County, is a town of roughly 8,821 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 Timnath residents and property owners must navigate.

According to FEMA's National Risk Index, Timnath carries an overall risk score of 7.9/10, placing it in the high category. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. The area also faces notable exposure to avalanche and hail.

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

Timnath'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 Timnath: Lightning preparedness

  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.
  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.

Local Factors for Timnath

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

Population

8,821

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.8/10

Coordinates

40.5295Β° N, 104.9635Β° W

Larimer 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 Timnath

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Timnath

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.