🌍 ClimateRiskCheck

Natural Disaster Risk in Washington County

Colorado

4.5out of 10
Moderate Risk

Risk Summary for Washington County

Washington County scores 4.5/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Strong Wind Wildfire

All 18 Hazard Scores

Hail
7.9
Wildfire
6.5
Strong Wind
6.5
Cold Wave
5.7
Tsunami
5.4
Drought
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Winter Weather
4.6
Avalanche
4.5
Ice Storm
4.4
Tornado
4.1
Earthquake
3.2
Hurricane
2.4
Extreme Heat
2.1
Lightning
2.0
Landslide
1.5
Riverine Flooding
1.0

How it compares

Washington County
4.5
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: Washington County, Colorado

Washington County is located in the United States in Colorado, home to roughly 4,806 residents. The county experiences dry air, significant mountain snowfall, and rapid weather changes, with dramatic spring snowstorms and summer hailstorms shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.

According to FEMA's National Risk Index, Washington County carries an overall risk score of 4.5/10, placing it in the moderate category. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. The area also faces notable exposure to wind and wildfire.

Washington County'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 Washington County, the highest-scoring are hail, wind, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Washington County 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 hail is recommended.

What this means for Washington County: Hail preparedness

  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • 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.

Cities in Washington County

ZIP codes in Washington County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.