Natural Disaster Risk in Fort Laramie
Wyoming
Risk Summary for Fort Laramie
Fort Laramie scores 5.5/10 (Moderate 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
🏠 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: Fort Laramie, Wyoming
Fort Laramie is a small community of about 509 in Goshen County, in the Great Plains. The area experiences high winds, cold winters, and significant snowfall at elevation, with blizzards and rapid weather changes 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 Fort Laramie.
FEMA rates Fort Laramie's composite natural disaster risk at 5.5 out of 10 — moderate risk. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Residents should also account for winter and avalanche risk in their preparedness planning.
Fort Laramie's risk score, near the 5.3/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Goshen County, the highest-scoring are hail, winter, and avalanche. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Fort Laramie'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 hail exposure is adequately protected is a worthwhile step for property owners.
What this means for Fort Laramie: 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.
Local Factors for Fort Laramie
These city-level factors differentiate Fort Laramie from other communities in Goshen County and provide geographic context for its hazard exposure.
Population
509
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 42.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 7.6/10
Coordinates
42.2613° N, 104.5199° W
Goshen 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 Fort Laramie
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Fort Laramie
Other cities in Wyoming
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.