Natural Disaster Risk in Wild Horse
Colorado
Risk Summary for Wild Horse
Wild Horse scores 3.7/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Wild Horse, Colorado
Located in the Great Plains in Cheyenne County, Wild Horse is a small unincorporated community. The semi-arid continental climate that characterizes this part of Colorado — marked by dry air, significant mountain snowfall, and rapid weather changes — directly influences the types and severity of natural hazards present, making Wild Horse a community where hazard awareness has real practical value.
Wild Horse's overall natural disaster risk is rated 3.7/10 (Low) by FEMA's National Risk Index. Prolonged drought is the primary hazard risk, shaped by low annual rainfall, high evaporation rates, and increasing temperature trends that deepen and lengthen dry periods. Secondary hazards include hail and tsunami.
Relative to other U.S. communities, Wild Horse's natural disaster risk is below the U.S. national average of 4.5/10, slightly below the 5.2/10 state average. The hazard distribution here is led by drought and hail, as measured by FEMA across Cheyenne County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Wild Horse carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk — drought — warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.
What this means for Wild Horse: Drought preparedness
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
Local Factors for Wild Horse
These city-level factors differentiate Wild Horse from other communities in Cheyenne County and provide geographic context for its hazard exposure.
Population
47
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — limited fire-prone terrain nearby
Fire score: 3.9/10
Coordinates
38.9093° N, 103.0678° W
Cheyenne 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 Wild Horse
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Wild Horse
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.