Natural Disaster Risk in Ward
Colorado
Risk Summary for Ward
Ward scores 7.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Ward, Colorado
Located in the Great Plains in Boulder County, Ward is a small unincorporated community. The semi-arid continental climate that characterizes this part of Colorado β marked by dry air, significant mountain snowfall, and rapid weather changes β directly influences the types and severity of natural hazards present, making Ward a community where hazard awareness has real practical value.
Ward's overall natural disaster risk is rated 7.8/10 (High) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include lightning and avalanche.
Relative to other U.S. communities, Ward's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 5.2/10 state average. The hazard distribution here is led by hail and lightning, as measured by FEMA across Boulder County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, Ward residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Ward: Hail preparedness
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
- Document roof and property condition annually to streamline any future hail claims.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
Local Factors for Ward
These city-level factors differentiate Ward from other communities in Boulder County and provide geographic context for its hazard exposure.
Population
484
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.1Β°
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
40.1035Β° N, 105.5225Β° W
Boulder 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 Ward
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Ward
Other cities in Colorado
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.